Cunningham Commercial specializes in loans ranging from $200,000 to $25,000,000 in California and throughout the United States. We provide financing to meet a variety of needs including acquisition construction refinancing and renovation. Our dedication to our clients and financial partners allows us to flourish in a market where others have given up and closed their doors. We look forward to working with you and making this year one to remember!
WHY WE ARE DIFFERENT
One of the main characteristics that set us apart from other Brokers/Lenders is that we pre-underwrite every file before it ever gets submitted. We don't just gather your documents and hand them off to a bank, we look over every aspect and ask important questions to make sure your file is in perfect shape before it goes to the final underwriter. This allows us to save you time and money by alleviating all concerns before any financial decisions are made.
WHY WE SUCCEED
The single most important aspect of our business is to make sure you understand everything about your lending options. There is no one size fits all program, and the choice you make in your commercial mortgage can have drastic effects on your monthly cash flow or long term goals. We are here to ensure you understand the programs available to you and are confident when you make a decision regarding your business.
Any person or organization with which you choose to work should be up front about what they charge to provide a service. With mortgages this can be complicated because there are plenty of bogus fees and ways to hide what a broker or bank is charging when lending money. An overview of all fees and charges should be disclosed up front and should include not only the origination fee but all the outside costs such as appraisal, environmental costs, title escrow, processing, etc. At Cunningham Commercial, we never charge more than 2% of the loan amount. We charge an underwriting fee of $995 and a credit report fee of $12 per guarantor. We do not charge Doc prep, processing, review, or any other fees associated with the loan. The only money our borrower pays up front is for credit reports necessary for approval of the loan.