Financing Options

Commercial Mortgages

Our Commercial Real Estate Finance Division focuses in the assignment of commercial mortgages over $1 million for office, retail, industrial, multi-family apartment buildings, and specialty properties. We organize equity involvement, construction loans, refinance loans, acquisition loans, and permanent financing for both owner-occupied and investment properties nationwide.

Innovative Lending differentiates itself in the commercial mortgage business with outstanding follow-up commitment. We quickly and smoothly resolve the inevitable difficulties that can arise through the various financing options and work with clients until completion of the project. From negotiating the fine points of a lender's desire to suspending monies needed for maintenance repairs to the positive resolution of a lender's concern over an existent environmental issue, Innovative Lending  is your guide, your supporter, and the finder of resolutions to all your unexpected issues.

Given Innovative Lending's extensive experience in the financing process, our clients benefit greatly from our responsible method of striving to comprehend both the short-term and long-term financial and investment plans for a particular property before suggesting a structure for the projected financing.

Home Mortgages

Our Residential Real Estate Finance Division takes great pride in our levels of both quality and service by offering a wide variety of loan products at the most competitive market rates. We work with many organizations and have no obligation to any particular lender or service provider. Therefore, we provide objective advice to present you with the best options possible for your needs and situation. We empower our vast clientele of borrowers with the unbiased facts necessary to make well-informed financial decisions.

From loan closing and funding to mortgage processing and underwriting, Holmes Real Estate professionally and competently advances your transaction, all the while keeping you informed through every process milestone. We are have no priority higher than each client on an individual level, and are therefore highly committed to establishing satisfying, enduring customer relationships. Given this fact, you can feel entirely secure that you will receive the highest quality service and attention.

Corporate Business Credit & Counseling

This program is the foundation to advanced level of business credit building. The Business Credit Builder will help you establish your business credit and set it up so you can obtain lines of credit from the bank. This foundation will consist of helping you to establishing trade or vendor credit, building the Paydex (from Dunn and Bradstreet) to 80 and then applying for business credit cards. You will have a personal business credit coach to guide you through the entire process.

Many business owners that start the Business Credit Builder do not have good personal credit. The Business Credit Builder will set the business foundation for obtaining lines of credit with Corporate Credit Concepts banking contacts. In order to obtain lines of credit at any bank the business owner must have a combination of good business credit and good personal credit, in other words a 680 or above.

Many of our clients use the credit cards that the Business Credit Builder Program obtains to help them pay for the personal credit repair process. Once the business owner's scores are adequate we can obtain a combination of trade credit, credit cards and bank lines of credit.

The entire purpose of the Business Credit Builder Program is to build the foundational level of business credit and to give you some cash to repair your personal credit if needed. Once your personal credit is above 680, the foundational level of your business is already in place and we can move onto the next steps in the Business Credit Builder Program and we can obtain a combination of trade credit, credit cards and bank lines of credit

Commercial Properties    Financing Options    Residential Properties