EN PT ES 321-239-2781 NMLS # 285280

Commercial and Residential Mortgage Loans

David A. Krebs is a licensed mortgage loan originator with 15 years of experience offering loan options beyond traditional banks

Are you a company seeking a commercial loan?  We have loan programs to satisfy all your business needs.

We offer commercial loans for traditional uses, including purchase, construction, renovation, refinancing, and investment.

We offer commercial loans for less traditional uses, such as management buyout, line of credit, blanket mortgage, non-U.S.-citizen financing, debtor-in-possession financing (DIP), and litigation financing.

We have helped companies get through all situations, from obtaining loans to start their new business, to getting financing to keep them afloat through bankruptcy. Click here to learn more.

Are you an individual seeking a residential loan?  We have loan programs to satisfy all your home needs.

We offer residential loans for traditional uses, including purchase, construction, renovation, refinancing, and investment.

We offer residential loans for less traditional uses, such as second mortgage, divorce, non-U.S.-citizen financing, jumbo financing, financing despite recent credit events (e.g., bankruptcy, short sale, foreclosure, or deed in lieu of foreclosure), and non-warrantable condominium financing.

We have helped families and individuals obtain loans for all scenarios, including first-time home-buying, cash-out refinancing, and jumbo financing.  Click here to learn more.

Beyond Banks (Volume 3): Discover the power of bridge loans

What is a bridge loan? A bridge loan is a short-term mortgage loan that allows the borrower to quickly secure funds to cover a pressing need. It acts as a "bridge" until the borrower is able to pay off the loan or secure more permanent financing. Bridge loans are...

Multifamily loans: Fannie Mae and Freddie Mac’s small balance programs may be the right fit for you

It is an exciting time to invest in multifamily housing. Over the past several years, apartment construction has grown at a record-breaking pace. 2019 is shaping up to be another healthy year for multifamily, and for South Florida in particular. For example, in...

Our article on co-brokering was published as the lead article in Scotsman Guide, Commercial Edition, June 2019

We are pleased to announce that our article on co-brokering was published as the lead article in Scotsman Guide, Commercial Edition, June 2019. Click here to read our article, "Two Heads Can Be Better Than One: Co-brokering can lead to a victory for all parties in a...

Beyond Banks (Volume 2): Know your options when shopping for a commercial mortgage loan

If you are a business owner, it is inevitable that you will need a commercial mortgage loan to fund new endeavors, or perhaps refinance your current debt. When that day comes -- whether you are a start-up company, small business, or large corporation -- it is...

Litigation and budget hurdles: does your condo satisfy Fannie Mae guidelines?

You have your heart set on purchasing a condo unit in sunny Florida. You also want a conventional mortgage for that unit. However, if the condominium project does not satisfy Fannie Mae guidelines, you will not qualify for a conventional loan. Two common reasons why a...

Foreign national loan programs in Florida

If you are a citizen of another country, we offer creative foreign national loan products to help you purchase property in Florida. Here is a sampling of some of the loan programs we have access to for foreign national borrowers. Option A: You can fully document your...

Beyond Banks (Volume 1): Know your options when shopping for a home mortgage loan

You may be looking for a mortgage to purchase a new home. Or, you may be looking to refinance your current home mortgage. If so, do not make the same mistake that many other borrowers make. Many borrowers apply to only one lender, such as their current financial...

Nonbank mortgage lenders are gaining market share in the lending space

Nonbank mortgage lenders are originating home loans more and more in recent years. These types of lenders are defined as financial institutions that solely focus on lending, and do not offer other traditional banking services such as depository checking accounts. The...

Israel joins the list of treaty countries for E-2 visas

As of May 1, 2019, E-2 investor visas are now available to Israeli citizens. This type of visa is available to citizens of qualifying countries and who are actively engaged in the development and direction of a U.S. enterprise. To get approved for an E-2 visa, the...

Digital Mortgages 101

Buying a home is a significant life event. The digital mortgage process can help alleviate the stress by streamlining the entire process. Here, we discuss how the digital mortgage process works and how it can benefit you. We also highlight recent trends and sample...

Did your bank deny your loan application? You are not alone. We specialize in helping companies and individuals get approved by alternative lenders. 

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Typical Denial Rate for Commercial Loans by Big Banks

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Typical Denial Rate for Residential Loans by Big Banks