EMS Commercial, LLC
Commercial Purchases & Refinances
Our asset-based mortgage programs and DSCR Financing programs are specifically designed for independent real estate investors and small business owners who often don’t qualify for traditional bank loans, including W-2 employees, self-employed entrepreneurs, and small business owners.
BUILT AND DESIGNED FOR LOCAL REAL ESTATE INVESTORS
Tired of banks and their rigid guidelines, rules, restrictions, and credit committees overseeing the approval of your loan? NonQM loans use a simple yet effective common-sense approach that first focuses on the property's current or potential cash flow/ Income and assets, so they close quickly.
Easy online process with approval and rate quote in minutes
IWe are focused on providing excellent client service, a professional approach and true reliability. Our industry experts provide a tailored strategy and one-on-one transaction support to help you grow your portfolio.
We help part-time & full-time investors, large landlords, developers and real estate funds; all with the same passion for success.
- Personalized service with your own personal account manager & loan officer.
- Fast closings in 10-14 days.
- Full 30-year terms, no balloons
- Streamlined qualification process emphasizing property level cash flow
- All Commercial purchase/refinance options
- Up to 100% LTV for purchase & 80% LTV for refinancing
- Simple haggle free closings
- Protect your identity and other assets by borrowing in corporate entity LLC.
What is a Qualified Mortgage?
Qualified Mortgage lenders won't loan money to anyone whose debt-to-income ratio goes beyond a certain point because it puts the lender at risk. Borrowers can challenge lenders in court if they can prove the lender didn't make a good faith effort to ensure they had the ability to repay the debt.
What is a Non-Qualified Mortgage?
A Non-Qualified Mortgage (Non-QM) is a loan that doesn’t meet the standards of a qualified mortgage and uses non-traditional methods of income verification to help a borrower get approved for a home loan. These types of loans are for borrowers with unique income qualifying circumstances.
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
(410) 598-9289
Mortgage Programs
A Non-Qualified Mortgage (Non-QM) is a loan that doesn’t meet the standards of a qualified mortgage and uses non-traditional methods of income verification to help a borrower get approved for a home loan. These types of loans are for borrowers with unique income qualifying circumstances.
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.