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Commercial Lending

Let us help with your future commercial real estate investment.

Commercial Lending Program

Loan Amount: Maximum $10,000,000
Location: Central Texas
Property Type: Multi-tenant and owner-occupied property types including:
office, medical office, anchored/shadowed-anchored retail, unanchored retail, industrial (warehouse/flex), mixed-use and multifamily
Term: Terms range from three to 10 years; may include extension options and/or adjusting rates.
Amortization: Standard 25 year schedule
Loan-to-Value (LTV): Standard 75%
DSCR: Minimum 1.25X based on underwritten net cash flow
Interest Rate: Fixed rates (based on strength of collateral, borrower and guarantors)
Prepayment: Standard 1% for first 36 months for all terms up to five years. Other structures considered on a case-by-case basis.
Origination Fee: Negotiable
Other Costs: No application fee, however United Heritage is to be reimbursed for all out-of-pocket expenses.
Assumability: Permitted subject to United Heritage approval and a 1% assumption fee.
Security: First lien mortgage
Borrowing Entity: Single asset or special purpose entity preferred, other structures considered on case-by-case basis.
Third Party Reports: Current appraisal conforming to FIRREA and USPAP guidelines, which must be ordered by United Heritage. Property Condition and Phase I Environmental Reports meeting United Heritage specifications may be required.
Escrow & Reserves: Property taxes and insurance escrows may not be required at origination; however, United Heritage reserves the right to require said escrows in case of loan default(s). Property specific reserves for tenant rollover, improvements or other events may be required.
Recourse Liability: Based on LTV, however final determination of recourse is made on a case-by-case basis. At minimum, standard carve-outs apply.
Principal/Borrower: Creditworthy individual(s) or entity acceptable to United Heritage with sufficient net worth and liquidity to support loan amount.

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