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COMMERCIAL
REAL ESTATE FINANCING

PURCHASE AND REFINANCE

Mobirise

FIRST CHARTER FINANCIAL
CORPORATION

We are a full service Commercial Mortgage Company. We are in the commercial financing business and we do not sell leads to other companies. Financing Commercial Real Estate is our only business. We close loans.

Lenders that you find on the Internet are all different. Many will try to fit you into the loan products that they sell. That is why you need to consult with an independent mortgage company. We know what is available in the market. We can discuss your needs and goals and suggest what would be the best loan for you. Then we will place that loan for you. We will stay with you through the funding. We always represent the borrower, not the lender. 

IMPORTANT ADVICE ABOUT COMMERCIAL FINANCING

There is a theme that is repetitive throughout our web sites. It is refereed to on every page. Lenders are all different and they will all try to fit you into the loan products that they sell. That is why you need to consult with an independent mortgage company. We know what is available in the market. We can discuss your needs and goals and suggest what would be the best loan for you. Then we will place that loan with an appropriate lender and stay with you through the funding. We always represent the borrower, not the lender.

If you call a carpenter to fix something he will bring his hammer to hit a nail. It is the same with lenders. If you go to a large bank they will offer you a fixed rate loan for only 3 to 5 years or an adjustable for 10. They will want a personal guarantee and they will use their underwriting parameters to determine loan size. If you go to a community bank they will do something similar or they may want to squeeze you into an SBA program. You may go to a residential mortgage company that does not know the commercial market. You may wind up with a private lender and pay too high a rate or a CMBS lender that may not be the best product for you.

Do not try to do it yourself. You may fall onto the wrong loan for your needs. Our experience and knowledge are your strength. You would not do your own hart surgery. You would higher the best doctor that you can find. Do the same with your financial health. Talk to us, please. 

THE BEST LOAN TO FIT YOUR NEEDS

First Charter Financial is a leading independent mortgage company. We are not affiliated with any one lender or real estate broker. We conduct our business on a nation wide basis. We are dedicated to arranging the best financing to meet the needs of our clients. We represent you the real estate investor, developer and owner. We do not sell you as a lead to another company.

We have maintained relationships in the financial markets for many years and we are well-known. First Charter Financial Corporation is licensed and bonded. We do not ask for any deposit or money up front. Our commissions are earned at loan funding. If we agree to represent you in obtaining financing we require that you sign an engagement letter up front. 


WE FINANCE ALL KINDS OF COMMERCIAL REAL ESTATE
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WE DO ALL KINDS OF COMMERCIAL REAL ESTATE  LOANS

READ OUR ECONOMIC NEWS LETTER

Mobirise

HOTELS

We finance hotels in all parts of the cointry. We use CMBS Conduit loans for aquisitions and refinance. Low interest rates and cash out. We also use SBA  loans for hotels.  

Mobirise

SHOPPING CENTERS

We finance shopping centers and other retail properties. We use CMBS Conduit fixed rate loans for purchase & refinanc. Cash out is no promlim.  We also do credit lease financing.

Mobirise

MULTI FAMILY

We place Agency loans. Fannie Mae and Freddie Mac loans are low interest rate fixed rate loans with long maturities. 
These loans are much better than typical bank financing.

Mobirise

OFFICE & INDUSTRIAL

Office buildings and industrial properties can benifit from out CMBS Conduit loans. Low fixed interest rates for purchase or for cash out refinance.

CONTACT US

Send us your information. Fill in the form and we will send you our Economic News Letter and other information.

Do you want to start a new loan? Tell us what you need in a message on the form. 





First Charter Financial Corporation
8204 East Del Caverna Drive
Scottsdale AZ. 85258
AZ CMB 0922527
NMLS ID 181100