We are the mortgage banker on the file, not the life company. Independence matters here: the request is matched to the correspondent whose box actually fits, rather than pushed through a single captive outlet.
Typical uses
- Permanent acquisition and refinance of stabilized industrial, multifamily, retail, and select office
- Low- to moderate-leverage takeout for core and core-plus cash flow
- Sponsors who want a lock at application rather than a lock that waits on a securitization calendar
Who it fits
Owners of well-leased, well-located assets who prefer insurance-company hold and a relationship that can live past the closing dinner — not maximum proceeds at any structure.
How the file is executed
We underwrite to the life-company box, submit through the correspondent, and coordinate application lock, third parties, and closing. Credit is conservative by design. We will say so if the asset is a CMBS or bank file instead.