A prominent commercial mortgage lender tells us that, although it is unfortunate that a bail-out of Fannie and Freddie was necessary, given all that was at stake Secretary Paulson did the right thing and he did it the right way. He protected taxpayers with warrants, he punished shareholders, he honored pure dept and he gave preferred stock holders a chance to recoup their investment. As bail-outs go, this one was done right.

Commercial mortgage loans are becoming an important asset class for sophisticated hedge funds and private equity firms. Traditional stock, bond, option and futures markets continue to hold high degrees of risk, commercial mortgage lending, on-the-other-hand offers relative safety while providing very good returns. More and more private funds are committing capital to commercial mortgage lending and this trend should continue.

Recently, we have seen the beginning signs of a more rational market in the commercial real estate industry. In the past four weeks, we have seen loan-to-value ratios and debt coverage ratios return to a more fair and balanced level. While these loans are available for better income-producing properties, at this point in the cycle, it signals to us a return to a more level playing field and a point in the cycle which we may see increased transactions activity.

The economy is weak and commercial mortgage capital is tight. Investors and developer who want to secure funding must find sectors of the industry that are thriving or risk being rejected by lenders. Fortunately, there are some pockets in the commercial real estate space that still offer significant growth opportunities and can still capture the interest of banks, private commercial mortgage lenders and other capital partners. Senior and student housing is booming and is projected to maintain a rapid growth rate. Investors and developers will attract the attention of lenders when they choose projects in these fast growing sectors. This article explains why.

Put simply, a commercial bridging loan is a form of finance that is used to fund the short term deficit in funds when wishing to purchase one business asset whilst awaiting the proceeds of the sale of an existing asset. Let's try to simplify this definition somewhat. It is often the case that a company will wish to move to larger premises, but foresees some delay in actually selling their existing premises.

With traditional commercial mortgage lenders and conduits out of the picture, property owners and developers are turning to private lenders for the financing they so desperately need. Many private, hard money lenders are "portfolio lenders", meaning they lend their own money for their own account. These unique mortgage lenders are not dependent on the secondary market for their funding; they remain undaunted by the ongoing problems in the bond markets.

People take out commercial mortgage loans every day. After all, all of the real estate you see when you look around you has been paid for by someone, be it a contractor, a landlord, a developer, or someone who purchased the building for personal use. Most of these people don't have the money to just buy properties outright, especially with ventures running into the millions of dollars, so there are thousands of real estate loans open on the books at any given time.

As an owner of a particular company, loaning from a financial institution is important in order to meet the financial requirements that your company needs in order to remain stable. You need to take out different kinds of loans especially if your company is relatively new. You need to remember that finding capital for your new company or expanding your company will take money and lots of it. Arranging to get your company financed through loans from financial institutions can be quite time consuming, and can be frustrating most of the time.

The world wide credit crisis is causing sever problems throughout the global economy, particularly in industries that are highly dependant on borrowed money. Commercial real estate is just such an industry; virtually all commercial property is mortgaged to some extent. Like residential lenders, commercial lenders have tightened up their underwriting standards and become more conservative in their lending decisions.
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