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.

Our article on coworking was published in the Daily Business Review’s Commercial Real Estate Special Report

We are pleased to announce that our article, "Coworking Reshapes the Office Landscape in South Florida," was published in the Daily Business Review on September 23, 2019 in their Commercial Real Estate Special Report. Click here to read the full article. Reprinted...

Cash-out refinance mortgages: the latest trends

Anticipating a downturn in the market, many lenders are tightening up and making it more difficult for borrowers to obtain cash-out refinance mortgages. However, as discussed further below, some lenders are willing to take on the risk. For single-family homeowners...

Our article on 2019 multifamily lending trends was published by Multi-Housing News

We are pleased to announce that our article, "4 Trends Shaping Apartment Finance," was published by Multi-Housing News on July 24, 2019, in which we summarize 4 multifamily lending trends to monitor in the second half of 2019. Click here to read the full...

Recent uptick in interest for condominium financing in South Florida

Last Updated: Recently, we have been receiving several calls from our referral partners letting us know that their clients are looking for financing to purchase condominium units in South Florida, particularly the downtown Miami and Brickell areas....

Our article on nonwarrantable condominiums was published in the Daily Business Review

We are pleased to announce that our article, "The Keys to Financing: Helping Your Client Obtain a Mortgage for a Fla. Condo," was published in the Daily Business Review on July 3, 2019. Click here to read the full article. Reprinted with permission from the July 3,...

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...

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