Commercial Loan Programs

Team Aguilar's commercial lending division is run and operated by Carlos Aguilar, Carlos and his team have direct access to some of the most aggressive loan programs available. Through the 30 + years that Carlos has been in commercial lending he has been able to build relationships that have given him access to some of the most aggressive lending sources in the country. Has direct access to the most aggressive commercial real estate loan lending sources in the country.

Carlos and his Team at Team Aguilar are able to offer loan programs for all types of commercial real estate. Some of the types of commercial loans the he has available are, office, industrial, mini-storage, retail and hotels, not to mention a number of different types of property's. There are many benefit's dealing directly with Carlos and his team, one being the direct access they have to all of these products. In addition to having all of these programs at his finger tips, Carlos's experience and knowledge allows him to structure the deals in such a manner that many other less experienced commercial brokers are unable to do. If you would like to discuss any commercial lending questions you may have, please call Jerry today. He can be reached at the phone numbers below and would be happy to talk to you.

Available Commercial Loan Programs

• Commercial Lines of Credit
• Hotel Loans
• Apartment Loans
• Commercial Loans in Mexico
• Mobile Home Park Loans
• Shopping Center Loans
• Office Building Loans
• Office Condo Commercial Financing
• Construction Loans
• Self Storage Loans

Commercial and Real Estate Acronyms

Below is a list of all real estate and commercial acronyms sorted in alphabetical order:

AIREA - American Institute of Real Estate Appraisers
ALTA - American Land Title Association
ANSI - American National Standards Institute
AOR - Association of Realtors
ARES - American Real Estate Society
ASA - American Society of Appraisers
ASHI - American Society of Home Inspectors
BD - Book Depreciation
BFP - Bona Fide Purchaser
BRR - Book Rate of Return
CAM - Common Area Maintenance (charges related to commercial leases)
CC - Civil Code
CGT - Capital Gains Tax
CH/BW - Chain Link/Barbed Wire
CO - Certificate of Occupancy
COE - Cost of Equity
CUV - Current Use Value
DD214 - Used to discharge service members in the 1950s
DIM - Deferred-Interest Mortgage
DRC - Depreciated Replacement Cost
DS - Due on Sale (clause)
EAL - Exclusive Agency Listing
ERV - Estimated Rental Value
FDR - Formal Dining Room
FMV - Fair Market Value
FP - Fireplace
FPM - Flexible-Payment Mortgage
FRM - Fixed-Rate Mortgage
FRV - Full Rental Value
FSBO - For Sale By Owner
GPM - Graduated Payment Mortgage
GRM - Gross Rent Multiplier
HDW - Hardwood Floors
HECM - Home Equity Conversion Mortgage
HEL - Home Equity Loan
HOA - Home Owners' Association
HUD - (Department of) Housing and Urban Development
HWF - Hardwood Floors
HVAC - Heating, Ventilation, and Air Conditioning
LIBOR - London Interbank Offered Rate
LTV - Loan To Value (Ratio)
LUI - Land Use Intensity
MBA - Mortgage Bankers Association of America
MBB - Mortgage-Backed Bond
MBO - Mortgage-Backed Obligation
MBS - Mortgage-Backed Security
MGIC - Mortgage Guaranty Insurance Corporation
MLS - Multiple Listing Service
MMI - Mutual Morgage Insurance
MPC - Master Planned Community
MRA - Master Residential Appraiser
MSA - Master Senior Appraiser
NHBC - National House Building Council
NIA - Net Internal Area
NIM - Net Income Multiplier
NLA - Net Leasable Area
NNN - Triple Net (Lease)
NOI - Net Operating Income
NPV - Net Present Value
NRV - Net Realizable Value
OBO - Or Best Offer
OER - Operating Expense Ratio
OIRO - Offers In the Region Of...
PCD - Planned Commercial Development
PEPS - Political, Economic, Physical, Social (forces that drive value)
PHA - Public Housing Administration
PID - Planned Industrial Development
PITI - Principal, Interest, Taxes, and Insurance
PMDT - Purchase Money Deed of Trust
PMI - Private Mortgage Insurance
PO - Principal Only
PSF - Per Square Foot
PV - Present Value
PW - Present Worth
RAM - Reverse Annuity Mortgage
REA - Reciprocal Easement Agreement
REIT - Real Estate Investment Trust
REC - Real Estate Commission
REO - Real Estate Owned
ROM - Roll-Over Mortgage
SAM - Shared-Appreciation Mortgage
SEM - Shared-Equity Mortgage
SFD - Single Family Detached
TPL - Third Party Liability
TI - Tenant Improvement
TIC - Tenants In Common
TIP - Treasury Investment Program
TRA - Tax Reform Act
VA - Veterans Administration (Loan)
VAP - Variable Payment (Mortgage)
VAT - Value Added Tax
VPM - Variable-Payment Mortgage
VRE - Virtual Real Estate
VRM - Variable-Rate Mortgage