CoMMERCIAL
Loans

Whether you’re looking to purchase, renovate, or refinance your commercial real estate, Family First Funding Commercial Capital can help. Featuring competitive terms and commercial mortgage rates, our Commercial Real Estate Loans are designed to match your business needs. When you work with Family First, you’ll work with a team that believes you deserve exceptional solutions, no matter your location or the size of your loan.

 

Property Types:

  • Single Family Residences Multi-Family Residences
  • Multi-Family Apartment Buildings
  • Office Buildings
  • Industrial Buildings
  • Self-Storage Facilities
  • Mixed Use Properties

 

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Capital

Commercial Loan Programs:

 

Long-term (maturity period 15 to 30 years) mortgage loan. In real estate projects, permanent financing is obtained after completion of construction, usually to repay the short-term (non-permanent) construction loan. Also called permanent financing or permanent mortgage.

First mortgage loan on a commercial property or residential with a term of just six months to two years

First mortgage loan on a commercial property that is used to build the property.  The loan proceeds are controlled by the construction lender to ensure that the building is actually built.

The SBA 7(a) loan program is a government-sponsored commercial real estate loan program that helps small businesses acquire the commercial real estate that their companies need to grow

SBA 504 loans are a little complicated to understand, but they are super-easy to get.  The program consists of a conventional first mortgage, with an SBA-guaranteed second mortgage riding piggyback on top.  The conventional first mortgage will typically come from a bank.  It will have a fixed rate for the first five to ten years.  If the loan is only fixed for the first five years, it will typically readjust once at the end of five years and then be fixed for the remaining five years.  The conventional first mortgage loan will usually be amortized over 25 years, and it will balloon after ten years.

Fix and flips became very popular a few years ago as the housing market recovered, and they continue to be a profitable business today.

ADDITIONAL LOAN PRODUCTS

FOR INVESTORS

Jumbo Loans

Loan amounts from $417,000 up to $3,000,000. Credit scores as low as 680. As little as 15% down.

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Conventional Loans

Great for clients with established credit, stable income, lower DTIs.

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Niche Loans

Loan options for those who don't fit traditional mold.

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HomeStyle®

Renovations needing 6-9 months.

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USDA/Rural Loans

Zero money down and 100% financing available if you live outside of a metro area.

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No loans available.

Calculate

CALCULATOR

How much will my payments be?

Your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan. Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment. Even the value of your home will affect your payment.

Just as an example, let’s say you are borrowing $250,000.00 for 30 years with an interest rate of 5.875%. If the value of your home is $300,000.00, your property taxes $3,000.00 per year and your insurance is $1,500.00 per year, you can expect to be making a total payment of $1,958.01. This is because you need to pay $1,478.84 toward the actual loan, plus $250.00 for real estate taxes and $125.00 toward insurance.

Since your loan to value ratio is 83.33%, you will also have to pay PMI for 16 months which will add an extra $104.17 a month. Don’t forget to drop the PMI when the 16 months is complete and you might save yourself some money each month. Canceling your PMI will require a reappraisal of your home in most cases.

Loan Information

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Property Information

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Taxes and Insurance Information

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WHO ARE WE?

GET TO KNOW US

Family First Funding LLC is a State Licensed Mortgage Bank founded in 2011 and headquartered in Toms River, New Jersey, licensed in 35+ states. Our responsibility as mortgage professionals goes beyond just providing a rate quote. We help each client determine what their financial goals are and qualify them for a successful mortgage investment. We want you to feel empowered to make informed decisions on your mortgage. Buying a home is not only a huge financial investment, it is also a deeply rewarding experience. As you begin this next chapter, we’re grateful to guide you through the process.

 

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We Make Purchasing Easy

THE MORTGAGE PROCESS

01
Get Pre-Approved
Submit a mortgage application and all preliminary documents including, but not limited to W-2s, pay stubs, and bank statements.
Establish Your Team
Connect with one of our Loan Officers who can recommend reputable Realtors, Attorneys, Inspectors, and Title Companies in your area.
Find a Home & Make an Offer
Shop with your Realtor and find a home. Purchase contracts will be written, and a small deposit will be required regardless of which loan option you choose.
Complete Your Application
Submit updated documents and finalize your loan application. Once you e-sign your application, your loan will be submitted for disclosures & processing.
Processing
You will receive your Welcome Package and one of our processors will complete all updated information verifications for credit, employment, and assets.
Underwriting
After processing, your loan is submitted to underwriting where your loan is given conditional approval. When approved, a commitment letter is issued and sent to you and your attorney to review.
Get Commitment
Submit all outstanding closing condition items for the commitment letter prior to final clearance.
Clear to Close
You and your attorney are notified that your file is "clear to close", and a closing date is scheduled by your attorney with the bank attorney.
Move In!
Congratulations! You are now a homeowner! Receive your keys and enjoy the tax advantages and personal benefits of owning a home!
Testimonials

What Our Customers Are Saying

Testimonials

What Our Customers Are Saying

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Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
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