P&A Financial Services LLC

The Principals at P&A Financial Services are trained in a variety of disciplines including financial analysis of both business and investment companies, business viability planning, loan closing and environmental issues. Working with P&A Financial Services gives the applicant access to years of experience in these areas combined with a multitude of sources to fit your specific needs. At P&A Financ

ial Services, we take a big picture approach to financing and look at the company an applicant's needs to determine the best financing options. As a consultant, not a lender, P&A Financial Services will review all business and personal financial information and determine the best options to meet your financial needs. Put our many years of experience to work for you today. CONVENTIONAL REAL ESTATE LOAN PROGRAMS
OWNER OCCUPIED COMMERCIAL PROPERTIES
Loan term up to 30 years
Up to 80% LTV considered for newer multi-purpose properties: 55%-65% LTV for special use properties
Third party lease income taken into consideration
3 To 5 years adjustment periods; in some cases up to 10 or 15 years
Cash out available

INVESTMENT PROPERTIES
Loan term up to 30 years
Up to 75% LTV considered for newer multi-purpose properties: 55%-65% LTV for special use properties
Third party lease income taken into consideration
3 to 5 years adjustment periods: in some cases up to 10 or 15 years
Cash out available
Debt service based on current leases

REAL ESTATE LOAN PROGRAMS FOR UP TO 90% FINANCING
OWNER OCCUPIE COMMERCIAL PROPERTIES
Loan term up to 25 years
Up to 90% LTV considered for newer multi-purpose properties;85%LTV for special use properties
Third party lease income taken into consideration
Conventional Financing for 50% of the transaction based on terms noted in our conventional real estate loan programs flier
up to 40% of the project financed by government guaranty program including SBA 504,USDA-B&I, New Market Loan Fund or 60% conventional, 30% EDA participation.
10% funds injected by borrower
40% portion of the loan fixed up to 20 years and fully amortizing
Rates generally less then the conventional portion of the loan
One application, one application fee and one source to place both loans

RELIGIOUS REAL ESTATE LOAN PROGRAMS
LOAN TERMS
Loan Term up to 20 years
up to 70% LTV considered
Third party lease income taken into consideration
3 to 5 years adjustment periods; in some cased up to 10 or 15 years
Interest rate is tied to the Prime or the Five year Treasury note plus Index
Cash out available
REQUIREMENTS
The Religious organization must exist a minimum of five years
Debt Service Coverage ratio of 1.4x required
Lender will expect the church to Establish a banking relationship with the bank
Must provide a 501 (C)(3) Tax-exempt Authorization