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Refinance / Cash Out Loans in Gladwin, Michigan
Gladwin, MI has 29 lenders serving the city. The average note issued to borrowers is around $299,063. Rates on loans issued to Gladwin borrowers average 10.9%. The typical loan made in this city has a term of 35 months. The mean note includes a 3.5 point origination fee. Lenders typically offer a 73% LTV on loans in Gladwin.
Loan Example 1
Shana operates a company in Gladwin, MI. She runs her operations out of a retail space that she owns in full. She goes to East Side Lending for a cash out refinance loan after she is rejected for a loan by her credit union for her business's ongoing operational requirements. In exchange for a first position equity stake on the building, the lender will fund Shana 60% of its $2,600,000 estimated market value. The other specifications of the deal are as follows : 1) a 14% rate of interest, 2) a 3 year length with interest only payments paid monthly, and 3) 4 points charged at closing. Shana will receive $1,497,600 in cash from East Side Lending when the deal closes ($2,600,000 estimated value x 60% loan-to-value - $62,400 in origination charges). She will then make payments each month in the amount of $18,200 for the 3 year duration of the loan. She will then make a final balloon payment of $1,560,000 to close the debt.
Loan Example 2
Casey is an entrepreneur in Gladwin, MI and he owns a warehouse he uses for his operations. So he can obtain much needed capital to operate his business, he takes out a portion of the equity in his building via a private money cash-out refinance loan from Urban Finance. In exchange for a first lien position on the building, the lender agrees to loan Casey 60% of its $1,200,000 market value. Additionally, they agree to a 8% interest rate, a 3 year note term, and will collect an origination fee of 5 percent at closing. Interest-only payments will be paid each month with the principle repaid when the loan expires. The loan principle will be $720,000 but Urban Finance will fund Casey $684,000 after charging the origination fees of $36,000. Additionally, they will receive $4,800 in monthly interest until they are paid off when the loan matures.
650 California Street, Suite 2700
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