How AGM Can Ease the Pain for Commercial Bankers and CRE Borrowers
Are you feeling the pressure of a commercial real estate (CRE) portfolio weighing on your balance sheet? You’re not alone. Rising interest rates and sluggish rent growth have created a perfect storm, driving up cap rates and squeezing cash flows. As a result, large CRE exposures and uncertain valuations have attracted scrutiny from regulators and shareholders alike.
We understand the delicate balance you’re trying to strike. On one hand, you want to reduce your CRE exposure to navigate these uncertain times. On the other, you value the relationships you’ve built with your long-term customers and want to continue supporting their growth. It’s a tough position to be in, especially when your borrowers feel the pinch of higher rates and slower rent growth, making it harder for their projects to pencil out.
That’s where we come in.
FHA-Insured Financing: A Welcome Boost for Banks and Borrowers
At AGM Financial Services, our team specializes in helping banks like yours find solutions to manage your CRE portfolio while maintaining the relationships that matter most. We’re here to be your partner, working alongside you to develop strategies that align with your goals and provide the support your borrowers need to keep their projects moving forward.
As a HUD-approved nonbank lender and GNMA seller/servicer, AGM can help you and your customers with FHA-insured financing for existing loans and new construction and permanent financing for pipeline projects.
For banks, this means payoffs at par, the return of capital, and a chance to share origination fees. For your customers, it means access to non-recourse debt on consistently favorable terms.
As a specialized multifamily lender, AGM can work with your established borrowers on deals that just aren’t a “fit” for the bank right now. We originate, underwrite, close, and service all of our own loans, and we are lending. We do not take deposits or offer any bank-related services, so you still “own” all of your client relationships.
As a leading FHA-insured lender, we can support your multifamily borrowers by providing construction/permanent loans on consistently favorable terms:
- Lower Fixed Rates
- Fully Nonrecourse
- Up to 24 Months for Construction
- 40-Year Amortization and Term
- No Loan-to-Value Test
Additionally, we can help your bank reduce your CRE exposure by refinancing existing CLs and mini-perms with:
- Lower fixed rates
- Up to 85% LTV and 1.176 DSC
- 35-Year Amortization and Term
- Fully Nonrecourse
Better Outcomes for All
AGM actively provides solutions for banks across the country looking to manage their exposure to multifamily CRE loans. A referral to AGM for FHA-insured financing preserves client relationships and creates better outcomes for all.
- Banks reduce CRE exposure and rebuild capital and share fees
- Borrowers get lower rates, longer terms, and higher leverage
