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Commercial loankenneth2023-06-23T22:36:27+00:00

Commercial

A commercial loan is a powerful financial tool that provides businesses with the capital they need to succeed. It offers flexible financing options, competitive interest rates, and customized repayment terms to suit your unique business requirements. Whether you are expanding your operations, purchasing new equipment, or investing in real estate, a commercial loan empowers you to achieve your goals.

Fuel Business Growth

Take advantage of commercial loans to fuel the growth of your business, seize new opportunities, and expand your market presence.

Flexible Financing Solutions

Enjoy the flexibility of customized loan structures, repayment terms, and competitive interest rates that cater to your specific business needs and financial goals.

Unlock Investment Potential

Utilize commercial loans to invest in new properties, acquire valuable assets, or renovate existing spaces, unlocking the potential for increased revenue and enhanced business capabilities.

Boost Working Capital

Access working capital through commercial loans to effectively manage day-to-day expenses, bridge cash flow gaps, and ensure the smooth operation of your business even during challenging times.

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  • info@ksmortgage.com
  • 17150 Newhope St, Ste 215
    Fountain Valley, CA 92708
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Loan Assumptions

Assumptions for a 30-Year Loan

The sample rate/APR (annual percentage rate) is based on the following assumptions:

  • Purchase price: $1,000.000
  • Down payment: 20.00%
  • Loan type: 30-year fixed rate
  • Points: 1.574 point(s)
  • Location: Orange County, CA
  • First lien position
  • FICO score: 760
  • Rate lock period: 30 days
  • Property type: Primary residence
  • Loan-to-value ratio (LTV): 80.00%
  • Debt-to-income ratio: 40%

Advertised rates and APR are effective as of 06/16/2025 and may change.
Please note that the actual interest rate, APR, and payment may vary based on the specific loan terms, verification of information, credit history, property location and type, and other factors determined by the lender. Underwriting guidelines and the applicant’s credit profile also play a role in the approval process. The provided sample payment does not include taxes, insurance, or assessments.

For more information and the most up-to-date rates, please contact us.

How are competitors’ average rates and APR calculated?

In our comparison, we utilize the OPTIMAL BLUE MORTGAGE MARKET INDICES, which are derived from actual locked rates obtained from consumers representing 35% of all mortgage transactions nationwide. The average APR of competitors is estimated based on our typical fees. Please note that actual fees charged by competitors may vary. The comparison incorporates data from the Optimal Blue 30-Year Conforming Index, which operates under the following assumptions:

  • Property type: Single-family residences
  • Loan purpose: Purchase and rate/term refinances (cash-out refinances are excluded)
  • Loan type: Conventional loans
  • Loan amounts: Below the conforming loan limits determined by county and year
  • Loan structure: Fixed-rate loans
  • Property units: Single-unit properties
  • Occupancy: Owner-occupied residences
  • Loan term: 30-year amortization
  • Exclusions: Loans with subordinate financing are not included
  • Originations: Retail and correspondent originations (wholesale channel originations are excluded)

The indices are calculated by determining the arithmetic mean of rates from all applicable locks made on each day. The data is updated on a daily basis, excluding weekends and holidays due to lower volume. There may be a slight delay in updating the data, which is typically refreshed overnight with the results from the previous day.

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