972-770-1502
972-770-1502

 Over 16 years of EXPERIENCE

Tom's product knowledge and expertise allow him to create the best mortgage plan to lower costs, save money and accomplish the desired goals for any borrower.

READ MORE ABOUT TOM

 

 Over 16 years of EXPERIENCE

Tom's product knowledge and expertise allow him to create the best mortgage plan to lower costs, save money and accomplish the desired goals for any borrower.

READ MORE ABOUT TOM

 


Tom Gilley

NMLS # 274087

Office: (972) 770-1502
Cell: (972) 342-3922
Fax: (214) 540-9381

Apply Online


Tom Gilley

NMLS # 274087

Office: (972) 770-1502
Cell: (972) 342-3922
Fax: (214) 540-9381

Apply Online

Commercial Loans

Commercial Debt Ratios
When analyzing the personal budget of a borrower, lenders use two different debt ratios to determine if the borrower can afford his obligations.

Commercial Debt Service Ratio
The most important ratio to understand when making income property loans is the debt service coverage ratio.

Commercial Lending Ratios
Most of real estate lending can be boiled down to the results of three ratios, which are described in this article.

Commercial Loan Checklist
This list will help you identify the types of information a banker will need to make an informed decision about your business.

Commercial Loan to Value Ratios
The loan-to-value (LTV) ratio is probably the most important of the 3 underwriting ratios.

Commercial Property Types
Listed in this article is a partial list of properties that require commercial financing.

Commercial Underwriting Guidelines
Commercial Financing is underwritten on a case by case basis. Every loan application is unique and evaluated on its own merits, but there are a few common criteria lenders look for in commercial loan packages.

Financing Options
Research credit lines and other financing approaches.

Questions to Ask Yourself
This article poses several questions related to commercial financing.

Ten Myths and Facts about SBA
This article separates commercial lending facts from myths.

ehl

6010 W. Spring Creek Pkwy, 
Suite 233/240
Plano, TX 75024
NMLS# is 274087

ehl

6010 W. Spring Creek Pkwy, 
Suite 233/240
Plano, TX 75024
NMLS# is 274087

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