OUR MISSION

As mortgage brokers, we maintain and strengthen interaction with the Nation's top Wall Street lenders, National 'Specialty' lenders, Regional and Local Banking entities on a daily and weekly basis. Our current list of lending resources, including over 250 Lenders nationwide, allows us to identify which lender and programs BEST satisfy our CLIENT'S NEEDS.
 
We are not tied to any lender's specific program, but are instead committed to matching the client's specific, unique requirement with the BEST financing program we can identify. By knowing what deal types our resource lenders prefer, we help create a favorable outcome for both the lender and borrower in just about any loan transaction.

OUR STRATEGY

While Investors Capital is not tied to any Lender's loan programs or quotas, we make every effort to understand what loan types different lenders like, and what part of their programs best benefit our clients strategy. We strive to satisfy that bromide "the second best response from your Lender is a quick No!" Our objective is to quickly, and competently satisfy the borrower's financing question "Given my requirements - How much debt will my project support - and can you do that deal?"

The vast array of loan products available in the marketplace, both fixed and variable, are the result of different institutional objectives on behalf of the players - the Lenders/Investors. Lenders will look more favorably on project structures consistent with their 'hold' charter; i.e., for example, if they like short term hold loans, we match them with borrowers that need that type of financing structure to maximizes their project's return. Long term holders might be better served with a Lender that satisfies that model with a different product. We try to match the borrower & lender to the benefit of both.

Our information gathering process on the front end, from both the borrower and the marketplace, lets us perform a desk-top underwriting to determine both the potential loan structure and those current, available sources that might service those requirements. As a part of our packaging the loan for lender review, we engage the process with the borrower for submitting a package we know is in a form acceptable to a particular lender's underwriting requirements. This helps reduce the time necessary to get to funding.

Finally, we coordinate the due-diligence efforts of Lender with the borrower and their advisors to close the loan as quickly as possible.