What kind of loan to value does the bank offer

Reference no: EM132371907 , Length: word count:1250

Real Estate Finance Fundamentals Assignment - Individual Case Project

This is an individual case project to research how banks make commercial/residential real estate loans in the marketplace. You are required to visit three commercial banks and write a 4-6 page typed (double spaced) summary report of your analysis and include a cover page and appendix with bank supporting materials. The report should cover the following topics:

What size and types of commercial/residential real estate loans does the bank make?

What size customer does the bank make loans to (e.g., new start-ups, mature businesses, etc.)?

How does the bank qualify or underwrite a commercial/residential real estate loan?

What kind of loan to value does the bank offer?

What kind of term loans are available?

Is there an early payment penalty?

Does the bank offer non-recourse real estate loans?

Does the bank offer fix rate loans, floating rate loans and adjustable rate mortgage loans?

What indices are floating rate loans based off?

Prime rate?
LIBOR?
Other?

Does the bank offer interest only commercial/residential real estate loans?

Is the borrower required to pay points or loan origination fees?

If so, how much?

Are personal guarantees required?

What kind of underwriting information does the borrower need to provide?

Include in your exhibits:

Who you talked to
Bank brochures
Lending rate sheet if available.

Reference no: EM132371907

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