Yes. We work with the best agency correspondents in the nation to provide fast, efficient service and find borrowers the most optimal loan program for their small balance financing needs. Download the Freddie Mac SBL term sheet:

Yes. We work directly with the nation's largest FHA/HUD correspondents to secure the most attractive financing available for eligible properties. We also offer a Bridge-to-HUD program for borrowers who need to move quickly to secure financing while moving throught the HUD Loan application process. Evergreen Capital offers the following HUD Loan programs: - HUD 223(f) - Acquisition and Refinancing of Multifamily Properties - HUD 223(a)(7) - Refinancing of Properties with Existing HUD Insured Debt - HUD 221(d)(4) - Construction or Substantial Rehabilitation of Multifamily Properties - HUD 241(a) - Repairs, Additions, and Improvements to Multi-family Properties For borrowers interested in the HUD 223(f) loan, our most popular loan program, you can download the Term Sheet here or watch the video below for more information.

Evergreen Capital is a Commercial Mortgage Broker, not a direct lender. Commercial real estate investors and owners almost always eventually need financing for their assets. When that time comes, whether you are refinancing or purchasing, you have a choice to make. Should you shop around for a loan yourself by going directly to the banks, or should you hire a Commercial Mortgage Broker like Evergreen Capital to help? We work for the borrower, not for the bank, and we specialize in helping the borrower do four things: Shop the lending market for the most competitive loan programs Help the borrower analyze and compare the advantages and disadvantages of different loan quotes from various competing lenders Help the borrower compile and prepare a complete loan proposal package for the underwriters Facilitate and manage the loan process on behalf of the borrower all the way up until closing and funding A good analogy would be that a commercial mortgage broker is to the borrower and the lending market what an attorney is to the client and the legal system. You could go into a lawsuit without an attorney, but the time and energy spent doing something outside of your specialty would be arduous, and your chances of getting the best possible outcome would be greatly diminished. A commercial mortgage broker serves a similar function - to represent the borrower’s needs to the lending market, and serve as their advocate throughout the financing process, helping to ensure the best possible outcome. NO ADDITIONAL COST Important to know is that there is usually little or no additional cost to use a commercial mortgage broker. The borrower typically does not pay extra to use a broker. The reason for this is because banks typically charge borrowers points up-front on the loan to cover their normal sales & marketing costs and expenses related to originating the loan. Since commercial mortgage brokers handle the sales and origination functions for the lender and typically bring them more loan volume, most lenders will waive or reduce their origination fees so that the broker can collect that fee instead. So the borrower gets the advantage of having someone representing their interests, instead of the banks, and it’s typically at no additional cost to the borrower. EXPERIENCE The first thing to consider is experience. Most real estate owners finance a very limited number of properties in the course of a year. A good commercial mortgage broker will handle dozens of transactions in the same time period. The broker understands the current lending environment, market conditions, and underwriting guidelines, all of which are constantly changing as the market goes through its typical cycles. MARKET KNOWLEDGE The next thing to consider is market knowledge of the current lending environment. Most real estate investors have just a handful of relationships with local lenders in their market. A good commercial mortgage broker typically deals with a wide array of local and national lenders every day, including mortgage banks, commercial banks, HUD lenders, investment banks, insurance companies, pension funds, credit unions, hedge funds, agency lenders, government agencies, and private lenders. Every commercial property is unique and each borrower has their own unique set of wants and needs. A good commercial mortgage broker will have a far broader understanding of which lender and loan would be the best fit for any given transaction. CERTAINTY OF EXECUTION The next thing to consider is certainty of execution, because a commercial mortgage broker has familiarity with the process each lender prefers, and best way to prepare a loan submission package for each particular lender. The typical lender sees far more requests than they can possibly review and approve. A good commercial mortgage broker knows how to prepare a loan request package that will be given the best consideration and quick response by lenders, and they typically know what information is key to obtaining a loan approval from a lender. ANALYSIS AND CONSULTING Utilized someone with expertise on all of the various ways that commercial loans can be structured. Too many borrowers focus only on the interest rate. A commercial mortgage broker will help understand your goals and negotiate deal points such as the maximum loan amount, loan term, amortization period, whether the loan is recourse or non-recourse, prepayment penalties, closing conditions, post-closing and/or ongoing annual requirements such as inspections or financial reporting, etc. We still encourage borrowers to talk to their local lender first, and see what types of loan terms they can get from the bank with which they already have a relationship, as that will have a baseline from which to compare other loan quotes. Most likely, though, a commercial mortgage broker will be able to offer different choices and more options, such as longer loan terms and amortization schedules, which can make a huge difference in the borrower’s cash flow. When you use a commercial mortgage broker, you typically get a wider variety of loan options than you would get if you were trying to procure a loan on your own.

At Evergreen Capital, we offer the following types of loan programs: Purchase/Acquisition Loans Refinance/Cash-Out Loans Renovation/Rehab Loans Construction & Development Financing Mini-Perm Loans Interest-Only Loans Bridge Financing Short-term Loans Private Equity & Hybrid Capital

Evergreen Capital has an unparalleled network of lenders and capital sources, including: Commercial Mortgage Banks Fannie Mae / Freddie Mac FHA / HUD Lenders Investment Banks Life Insurance Companies National & International Commercial Banks Regional & Local Banks Credit Unions Short-term Lenders Private Equity / Investment Groups