Our Services

How we serve clients daily

Carlyle Financial takes great pleasure in its role as a full-service, professional mortgage advisor for commercial real estate. From the start of initial due diligence to closing, we adopt a hands-on strategy. We are meticulous and comprehensive in our approach; handling all items related to mortgage origination so our clients can concentrate on their property and portfolio. We work tirelessly to ensure they secure the best possible financing with the least amount of difficulty.

During our initial meeting, we will work with the borrower to identify the specific needs and goals for the transaction.

Once the client’s investment goals have been identified and there is a clear understanding of the financing request, we take a comprehensive approach to determine the property and sponsor’s financial capacity in relation to the desired loan request.

After the owner’s financials have been organized and we fully analyze the operating statement of the property, we then determine which lenders will be most inclined to finance such a property with the most feasible terms.

Identifying the most suitable lender who will deliver the most favorable terms is a challenge, but we make it our job to sift through our vast database to find the right fit. We consistently keep the Sponsors informed, delivering updates on our search and feedback received to improve our delivery.

When the appropriate lenders have been identified as the most ideal partner to work with for the project, we present the loan terms to the clients, highlighting the terms that will, if any, impede their profit margins or investment goals. The lenders are given a comprehensive loan analysis that we assemble. After they asses the property’s history and financial capacity, we will determine if anything needs to be amended to achieve a more desirable quote from the lender.

Once the term sheet has been signed and agreed upon, the lender will then begin a more comprehensive evaluation of the property. The property’s location, size, historical income and expenses, and tenant history will be evaluated. The sponsor’s background and experience as well as their financial strength will be considered. Rent rolls, capital expenses budget, renovations completed, and a finalized pro forma will be submitted. The lender will also conduct a market analysis of the surrounding area where the property is located.

Carlyle will support all paperwork and applications.

Underwriting can now happen.

The lender will demand appropriate third-party reports during the loan’s closing phases to make sure the structure is properly maintained. Environmental, appraisal, title, organizational filings, and insurance reports are generally obtained.

A thorough assessment will be necessary as the loan application procedure moves toward its conclusion. To guarantee a smooth closing, any accounts and closing deadline requirements must be followed at this point. Once a loan is finalized, some lenders want continuing paperwork, reporting, account balances, etc.


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