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Commercial & Residential
Loans

We seamlessly connect investors with a world of possibilities in both commercial and residential real estate financing. Our unique approach extends beyond traditional loan facilitation; we specialize in helping investors qualify for loans by strategically leveraging their financial position. We navigate the complexities of the lending landscape to secure optimal financing solutions tailored to each investor's needs. 

Maximizing Loan Qualification

Our focus is not only on securing loans but on helping investors qualify for the most favorable terms. We analyze your financial portfolio, apply tax-efficient strategies, and position you to meet lender requirements efficiently.

Holistic Financial Approach

Our unique position as an accounting tax company allows us to take a holistic approach. We leverage our understanding of your financial position, combining it with tax opportunities to craft a comprehensive strategy for loan qualification.

Access to Diverse Loans

With a wide network of lenders, we provide access to a diverse range of commercial and residential loans. This ensures that investors have options tailored to their specific needs and investment goals.

Financial Position Enhancement

Leveraging our tax expertise, we implement strategies that enhance your eligibility for loans. By balancing tax liabilities and optimizing financial positions, we create an environment conducive to securing favorable loan terms.

 Book a Free online consultation
with one of our seasoned Real Estate Experts today! 

Ready to optimize your Real Estate Portfolio and make the most of your resources? 

Our experts are ready to understand your unique needs, answer your questions, and provide personalized insights to help you navigate the complexities of real estate buying, selling, funding, structuring,  tax planning, and more.

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Commercial &
Residential Loans

Designed to facilitate loan access and optimize the process by applying accounting tax-efficient strategies, ensuring that your financing aligns seamlessly with your broader financial objectives.

Whether you're eyeing a residential property or a commercial venture, our access to a diverse range of loans, coupled with our commitment to financial tax efficiency, ensures that your investment journey begins with solid financial foundations. With us, it's not just about securing a loan; it's about crafting a financial strategy that aligns with your goals, minimizing tax liabilities, optimizing your financial position, and setting the stage for long-term success in the real estate market. 

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Commercial Loans

 

Commercial Real Estate Loans

Financing for purchasing or refinancing income-producing properties, such as office buildings, retail centers, or industrial warehouses.


Multifamily Loans

Specifically for properties with multiple residential units, these loans can be used for purchasing or refinancing apartment buildings.


SBA Loans (Small Business Administration)

Government-backed loans designed to assist small businesses, including those seeking funds for commercial real estate.


Construction Loans

Provide funds for the construction of commercial properties. They may convert to permanent financing after construction is complete.


Bridge Loans

Short-term loans that bridge the gap between the purchase of a new property and the sale of an existing one.


Hard Money Loans

Short-term loans secured by the value of the property rather than the borrower's creditworthiness. They are often used for quick financing in real estate transactions.


CMBS Loans (Commercial Mortgage-Backed Securities)

Loans pooled together and sold as securities in the secondary market. They are often used for large commercial projects.

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Equipment Financing

Loans specifically for businesses to purchase equipment. The equipment itself serves as collateral.


Business Lines of Credit

A revolving credit account that businesses can draw from as needed. It is often used for operational expenses.


Mezzanine Loans

These are a hybrid of debt and equity financing, providing a layer of secondary financing for commercial properties.

 

Residential Loans


Conventional Loans

Standard mortgage loans not insured or guaranteed by the government. They often require higher credit scores and down payments but offer competitive interest rates.


FHA Loans (Federal Housing Administration)

Insured by the government, these loans are designed to help individuals with lower credit scores or smaller down payments qualify for a mortgage.


VA Loans (Department of Veterans Affairs)

Specifically for eligible veterans, active-duty service members, and their spouses. They offer favorable terms, including zero down payment options.


USDA Loans

Backed by the U.S. Department of Agriculture, these loans are designed for rural and suburban homebuyers who meet certain income requirements.


Jumbo Loans

Used to finance high-value properties that exceed conforming loan limits. They typically have higher interest rates and stricter qualification criteria.

 

Fixed-Rate Mortgages

Mortgages with a fixed interest rate for the entire loan term. Monthly payments remain constant, providing predictability for homeowners.


Adjustable-Rate Mortgages (ARM)

Mortgages with interest rates that may change periodically based on market conditions. They often have lower initial interest rates but can fluctuate over time.


Interest-Only Loans

Allows borrowers to pay only the interest on the loan for a specified period, typically the first few years, before converting to principal and interest payments.


Reverse Mortgages

Available to homeowners aged 62 and older, these loans allow them to convert home equity into cash while retaining ownership. Repayment is typically deferred until the homeowner moves out or passes away.


Home Equity Loans

Allows homeowners to borrow against the equity in their homes. The loan is typically a lump sum with a fixed interest rate.

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Ready to take control of your Financial and Real Estate Future?

Book a free online consultation with one of our seasoned

Real Estate Experts today! 

"What sets Amberstone apart is their commitment to client education — they ensure you understand the reasoning behind each recommendation. Thanks to Amberstone, my portfolio is not only performing well but is also tax-efficient. I'm grateful for the peace of mind that comes with having such a reliable partner in my financial journey."

Robert P.

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