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? Non-QM 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
We 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, business owners, 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.
- 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 a corporate entity LLC.
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 and can be tailored to fit the borrower's needs.