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Lux Solutions Group
Loan Products
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Explore Diverse Loan Programs with Us
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As a premier Commercial Mortgage Broker, we offer a vast array of loan programs sourced from a network of esteemed lenders. Our expertise encompasses five Core Loan Program categories, ensuring tailored solutions for every financing need.
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Understanding the intricacies of each program is paramount to effectively evaluating clients' loan requests. We meticulously analyze factors such as property type, location, loan size, and other pertinent parameters to match clients with the most suitable loan program and lender.
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Rest assured, our dedicated LSG Loan Team stands ready to provide expert guidance in structuring loans and ensuring optimal alignment with clients' financial goals. With our assistance, clients can confidently navigate the complexities of commercial lending, securing the ideal financing solution for their ventures.
Distinguishing Conforming (Institutional) Loans
from
Non-Conforming (Alt-A & Hard Money)
Loans at LSG,
we categorize loans into two main types:
Conforming (Institutional) Loans and Non-Conforming (Alt-A & Hard Money) Loans.
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Conforming loans adhere to stringent bank-grade (A-Paper) underwriting guidelines, ensuring compliance with industry standards. These loans are funded through reputable financial institutions such as banks, credit unions, life companies, CMBS, and agency lenders. While Conforming loans typically offer the most competitive rates, they are subject to rigorous underwriting criteria. On the other hand, Non-Conforming loans, also known as Alt-A and Hard Money / Bridge loans, cater to properties or borrowers that fall outside the parameters of Institutional financing. These loans are designed to accommodate unique financing needs and may be sourced from alternative lending sources. Despite not meeting traditional lending standards, Non-Conforming loans provide flexibility in terms of eligibility criteria and loan structures. At LSG, we offer all six Core loan programs across each underwriting tier: Institutional, Alt-A, and Hard Money / Bridge.
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Our approach to originating loans begins with a comprehensive assessment of the loan's purpose. Whether it's a refinance, purchase, fix & flip, or new construction, understanding the client's objectives is paramount. We delve into critical questions such as the intended duration of the loan and the planned exit strategy. This information forms the basis for recommending the most suitable loan program, including term length, tailored to meet the client's specific requirements.