Loan Origination

Harlow Commercial Mortgage, LLC

We are a Colorado-based lender. We also lend outside the state either directly or through our mortgage broker network.

  • Free consultation.
  • Customized loans structured to meet borrower objectives.
  • Timely service.
  • Professional and efficient underwriting and closing.
  • Our resources include life insurance companies, banks and savings banks, commercial mortgage backed securities, private capital and Small Business Administration lenders.

Loan Programs

Flexible Small Loan Program:

    
Inside Colorado
   $100,000 to $2,000,000
Outside Colorado
   $750,000 to $3,000,000
     
Commercial Loan Program:

   $2,000,000 +
Loan Structures:    

Permanent
Bridge Financing/Short Term
Construction
Purchase and Refinance
Long-term Fixed Rates
Adjustable Rates with Caps Available
Equity/Mezzanine
SBA 7(a) and 504

Property Types
 
Investor and Owner Occupied
 

Basic Four Commercial Property Types

  • Office
  • Industrial
  • Retail
  • Apartment

Mixed Use & Special Use including:

  • Hotel/Motel
  • Self Storage
  • Mobile Home Park
  • Non-profit
  • Conversion
  • Golf Course
  • Student Housing
  • Affordable Housing
  • Senior Living

Capital Source Characteristics
 
Type
Pricing
Amortization
Prepayment
Penalty
Loan Amount/LTC or LTV
Recourse
Reserves
Notes
Life Ins. & Institutional Investors Long term fixed rate up to 20 year term 20-30 years Yes - yield maintenance or declining balance $300,000+/
75%		 Recourse and non-recourse No Property is important. Can customize.
Banks Short term fixed rate or float tied to prime or LIBOR 20-25 years No $50,000+/
70-80%		 No No Borrower credit important. Most flexible.
Commercial Mortgage Backed Securities 10 year fixed rate based on Treasury yields 25-30 years Yes - Defeasance sometimes yield maint. $500,000+/
75-80%		 No Yes Property underwriting important. Inflexible. No secondary financing. Maximum loan proceeds.
Private Short term 15-30 years Negotiated Under
$2.0 M./70%		 Yes Negotiated Each loan individually negotiated on a case by case basis.
Small Business Admin. 7(a) Floating rate tied to prime 7-25 years No $2,000,000 up to 90% Yes No  
Small Business Admin. 504 1st. Mort. Float to prime 20-25 years Yes $3,500,000 up to 90% Yes No  
  504 2nd. Mort. Fixed 20 years Yes   Yes No  

Sample Closings and Placements
   
Colorado:

$238,000 Strip Retail Refinance
$250,000 Construction for Industrial Owner-user
$292,000 Land Purchase
$300,000 Office Building
$525,000 Office Building
$600,000 Land Purchase - Retail pad for Owner-user
$720,000 SBA 504
$950,000 Acquisition & Development
$975,000 Townhome Development
$1,100,000 Car Wash Construction & Permanent
$1,120,000 Office Building
$1,200,000 Motel Purchase
$1,650,000 Refinance of SBA 504 first mortgage - Trucking Company
$1,800,000 Self-Storage refinance
$2,250,000 Industrial Investment Purchase
$2,800,000 Townhome A&D/Construction
$2,950,000 Residential Subdivision Development
$24,000,000 Condominium Construction
Southeast: $350,000 SBA 504 Office Building
$2,500,000 Apartments Purchase
$3,200,000 Golf Course
Northwest: $5,600,000 Grocery Anchored Retail Refinance
Southwest: $650,000 Multi-tenant Office Purchase
$2,700,000 Office Warehouse Purchase
$3,900,000 Grocery-anchored Shopping Center
Midwest: $480,000 SBA 504
$750,000 Mobile Home Park Refinance
$3,400,000 Multi-tenant Office Purchase
$10,300,000 Multi-tenant Office Refinance
   
As a custom lender we can either directly fund or place a wide variety of commercial real estate finance ranging from the lowest of interest rates to higher risk negotiated rates.
™ All Rights Reserved by Harlow Capital Corporation
© Harlow Capital Corporation