CITIADVISORS
    a division of Citi Financial Group HM
Tel: (415) 691-2070
Call today

Email
newloans@citifinancialgroup.net

Effective May 25, 2018: Citi Advisors will not accept any commercial loan, hard money inquiries, underwriting & processing services, business consulting, or any real estate inquiry.
This Division is closed.  Sorry for any inconvenience. 

Join the fastest evaluation and processing system in the market
Our team is dedicated to the process and making your experience less stressfull. We have 24/7 loan access and provide real time updates via email or text.
  1. Loan Review
    Loan Evaluations in 3 Hours or Less
  2. Multiple offers
    Our team will secure multiple funding offers within 72 hours
  3. Dedicated Loan Advisers
    Dedicated Loan Advisers for One-on-One Feedback Throughout the Process
  1. E-Signature by docusign
    for fast execution of documents and efficient experience
  2. Desk top Evaluation
    Our Investors use desk top software to evaluatte property value and title search
  3. $1.2 Billion
    Loan processed in 2017

COMMERCIAL LOANS                  RESIDENTIAL FIX & FLIP
CONSTRUCTION                              ALL LOAN TYPES

Multi Family - Office - Retail - Self Storage - Mobile Home Parks - Student Housing - Hotels - Manufacturing - Warehouse

Sample bridge term sheet
Sample Mezz 
term sheet
Sample CMBS  
term sheet

CITI Financial Group offers a variety of Commercial Real Estate Loan programs through our direct funding source. We guarantee a quote within 3 HOURS from submission.

Our Loan -To- Value ratios are the highest in the industry-- up to 90%. Citi Financial Group  offers both Full Documentation and Stated Income programs in addition to Conduit Loans.


Because we “fund” our loans through our partner network and facilitate the process, we offer greater flexibility, creativity and timeliness. We can arrange closing a business deal in as little as thirty business (30) days!
CITI  can arrange “funds” for land acquisition, refinancing, land development, cross collateralization, islands, and much more both nationally and internationally. We serve a diverse clientele reaching beyond the U.S. borders to Canada, Mexico, Europe, the Caribbean, Central and South America, and beyond.
Commercial prime real estate programs

Our unique approach involves customizing your presentation when sourcing commercial mortgages and private equity real estate investments. We present your request to the suitable mortgage lenders and investors for your specific transaction. Our lender and investor network consists of commercial mortgage lenders and private equity investors in Canada, United States, Europe and Asia. Relationships within our network include Banks, Credit Unions, Trust Companies, Insurance Companies, Pension Funds, Private Lenders, Commercial Mortgage Conduits and other private and institutional investors

Short Term - Commercial Buy & Renovate Program

Up To 85% of the Purchase Price
Up To 100% of all Renovations, 70% ARV MAX
Rates: Starting At 11.50% I/O
6-24 Month Term - No Prepayment Penalty
2-6% Origination Fee Per Transaction
550 Minimum Credit Score Required
Loan Amounts: $100,000 - $85,000,000
Average 15 Business Days To Close
Foreign Nationals & Resident Aliens May Qualify
Apply Now
 
  Medium Term - Commercial Bridge Program

Up To 70% Loan To Value
Rates Starting At 5.99%
6-24 Month Term - No Prepayment Penalty
No DSC Required, Full Recourse Loan
3-6% Origination Fee Per Transaction
550 Minimum Credit Score Required
Loan Amounts: $1 Million - $100 Million
Close In As Little As 15 Days
Loans Offered Nationwide - within urban/suburban markets with 100k+ pop
Jumbo SFR Loans Approved Nationwide Under This Loan Program
Apply Now
 
Long Term - Commercial Hold Program

Up To 75% Loan To Value
Rates Starting At 5.50%
3 - 30 Yr Fixed - 30 Year Amortization
Fixed Prepayment Penalty
2-4% Origination Fee Per Transaction
650 Minimum Credit Score Required
Loan Amounts: $100,000 - $500 Million
Close In As Little As 15 Days
Loans Offered Nationwide - within urban/suburban markets with 100k+ pop
Multi FamilyOffice, Retail, Warehouse & Self Storage Only



PROPERTY TYPES

Apartment
Multifamily
Self Storage Facilities
Office Buildings
Land Development
Warehouse
Equipment/Machinery
Retail Centers
Mobile Home Parks
Raw Land
Resorts
Restaurants
Mixed Use
Convenience Stores
Gas Stations
Car Wash
Hospitality Hotel/Motel
Tavern
New Residential Development
Pawn Shops
Golf Courses/Marinas
Auto Body Repair
Industrial
Owner Occuppied Business
Special Purpose Properties
Conversions
Medical
Gold Mines

LOAN TYPES

Conventional Financing
Stated Income
Mezzanine Loans
International Loans
Corporate Loans
1031 Exchange
Full Documentation
Cash Out Refinance
Lines Of Credit
Hard Money
Fixed Rates
Construction Loans
Acquisition & Development
Equity Financing
Remodel-Renovation
Joint Ventures
Green Energy Loans
Foreign Nationals
Cross Collateral
Distressed Borrowers
Bridge Loans
PROGRAM A-2     BRIDGE LOAN

Up to 90% LTV
Unlimited Cash Out
No Pre-Payment Penalty
Flexible Amortization
Schedules
Close in 30-50 Days
Non Recourse Loans
Par Pricing
Brokers Protected
Pays up to 3 pts. yield spread
2-5 year adjustable rates
Interest Only
Conventional Mortgages for all property types
Rates as low as 3.85%, 2,5,10 years, up to 25 years. From $500,000 to $25 Million.
Max LTV 80%. Point as low as 1.00%. No upfront fees.
Mid balance-Conduit-FHA loans-Bridge loans Construction loans, SBA 7a and
USDA B&L  Insurance loans

PROGRAM A-3   ALL PROPERTY TYPES

NATIONWIDE – Investor 1-4 Unit, Multifamily, Mixed-Use, Mobile Home Parks, Self-Storage, Industrial Buildings, Multi-Tenant and Owner Occupied Commercial and more

• Rates start from 6.99%
• Loan Amounts up to $25,000,000
• LTV up to 70%
• Minimum Credit Score 650
• 30 Year Loan / 30 Year Fully Amortized
Loan Program Highlights
NO Tax Returns
Perfect for self-employed
Owner-User? No Problem
Common sense underwriting
Loan turned down by other lenders
Permanent financing, NO balloons
Quick Closings
estate.
PROGRAM A-4         LARGE PROJECTS

Loan sizes range from $20 to $500 million.
Term ranges from 24 to 25 years
Loan to value from 70-85%.
Interest rates: spread over Wall Street Journal Prime Rate.
Guaranty is full recourse for project completion and loan repayment.
Subordinate mortgages may be permitted subject to secondary market loan guidelines and completion of lender due diligence and underwriting.
Prior to closing, a suitable permanent loan commitment must be in place.
Typical due diligence fees apply which cover the costs of third party reports such as the appraisal, phase I environmental, plan & cost review, and other lender due diligence costs. The borrower is responsible for legal fees and customary closing costs.
Call us for current rates
PROGRAM A-5   

 FHA PROGRAMS

• Up to 83% LTV Purchases          
 • Up to 83% LTV Refinances
• Non-recourse, low interest loans 35-40 yr amortization, low
payments                                      
• Loans are assumable multiple times
• Low DSCR requirements 1.17x    
• All closing costs and lender fees are eligible to be included in the loan to be paid
at closing
• No Networth min. requirements        • No liquidity minimum requirements
• Low experience requirements          • Credit Score 680 FICO minimum
• Special construction and substantial rehabilitation loan program up to 90% of total costs .
  
PROGRAM A-6

Up to 90% LTV
Unlimited Cash Out
No Pre-Payment Penalty
Flexible Amortization
Schedules
Close in 30-50 Days
Non Recourse Loans
Par Pricing
Brokers Protected
Pays up to 3 pts. yield spread
2-5 year adjustable rates
Interest Only
Conventional Mortgages for all property types
Rates as low as 3.85%, 2,5,10 years, up to 25 years. From $500,000 to $25 Million.
Max LTV 80%. Point as low as 1.00%. No upfront fees.
Mid balance-Conduit-FHA loans-Bridge loans Construction loans, SBA 7a and
USDA B&L  Insurance loans

PROGRAM A-7  
HARD MONEY/10 DAYS FAST CLOSING

TERM: Flexible loan term up to 5 years.
PREPAYMENT:No prepayment penalties.
LOAN TO VALUE: Up to 75%.
RATES: Rates from 9% per annum.
FEES: As low as 3%.
LOAN SIZE: From $1 Million to $50+ Million nationally.
COLLATERAL: Real estate and other fixed or liquid assets.
PROPERTY TYPES:
Multifamily, Condo, Office, Retail, Hotel,
Industrial, Mixed-use, Land.
NEW! Ask about our CITI TOP5050 Lending Program.
New low 6% rates for Multifamily, Office, Retail and other qualified properties!

Ref: KennyHM75

Construction loans

PROGRAM B-1
CONVENTIONAL Loan sizes range from $500,000 to $350 million. UP TO 100% OF BUDGET

When it comes to construction financing, the ability to have a quick closing corresponding lending team,  can mean the difference between a detailed profitable project built on time and under budget or another lost opportunity. Given the risk that comes with rapidly changing market conditions, Our teams "deal certainty" can be a game changer for the experienced builder. While banks are still in loan committee, our construction borrowers are out of the ground and on their first or second draw. Our construction loan program are fast, common sense, and often one of the simplest financing programs of its kind in the market today.
 

ABOUT HVS

We utilized HVS for hotel appraisals, feasibility reports and star reports for Hotel, Motel and Resorts.

Thousands of hotel owners, developers, investors, lenders, management companies, and public agencies around the world rely on HVS to support confident, informed business decisions.

Since literally writing the book on how to value a hotel in 1980, HVS has evolved into the global professional services leader by continually providing our clients with unrivaled hospitality intelligence.
Today, we have a team of more than 300 people located in over 50 offices throughout the world who specialize in all types of hospitality assets, including hotels, restaurants, casinos, shared ownership lodging, mixed-use developments, and golf courses, as well as conventions, sports, and entertainment facilities.

ALTERNATIVE SOLUTIONS

PROGRAM B-2   

CONSTRUCTION

TERM: Flexible loan term up to 5 years.
PREPAYMENT: No prepayment penalties.
LOAN TO VALUE: Up to 75%. and 80% ARV
RATES: Rates from 6.99% per annum.
FEES: As low as 1.5%.
LOAN SIZE: $1 mm - $50+mm nationally.
COLLATERAL: Real estate and other fixed or liquid assets.
PROPERTY TYPES: Multifamily, Condo, Office, Retail, Hotel, Industrial, Mixed-use, Land.
PROGRAM B-3     

PURCHASE/REFINANCE

No Docs Requested
Loans Ranging from $250,000 and $100m+.
Loan to Values up to 80%
Rate: 8-12%
Renovation financing up to 100%
Fast Turn-Around Time
All Credit Accepted
1-3 year Terms / Interest-Only
Flexible Underwriting
Competitive Rates
.
PROGRAM B-4 
 
USA and International projects. Mining, Oil and Gas, Power and Energy, Retail & Office, Agriculture & Hospitality devlopment projects

We provide 90-95% joint venture financing that covers majority of your project costs including land acquisition, hard costs and soft costs.  
This program is for NEW DEVELOPMENT PROJECTS ONLY that require $10 million or more with experience applicants with 5-15% cash injection. 
 

FIX AND FLIP RESIDENTIAL AND COMMERICAL

PROGRAM C-1

Up to 90% of the purchase Price (90% LTC)
Up to 100% of all Renovation (Rehab)
Up to 70% ARV (After repaired Value)
Rates: 8.50% - 13.99% I/O
6-24 Month Terms Available W/ No Prepay Penalty
2-5% Origination/Processing Fee /CITI Fee: $1250.00-$5000
550 Minimum Credit Score to Participate
Loan Amounts: $75,000 - $5,000,000 (Purchase and Rehab Combined)
Closing in as little as 7 business days
Residential and light commercial Investment Properties Welcome
100% FUNDING WHEN YOU CROSS COLLATERALIZE YOUR EQUITY!!
JUMBO LOANS AVAILABLE UP TO $10 MILLION

New Construction Loan Option - Residential or Commercial

PROGRAM C-2

100% Funding of Vertical Construction Costs
Land + New Construction Loan Options Available
Up To 75% ACV (After Constructed Value)
Rates: 8.99% - 14.99% Interest Only
6-24 Month Term - No Prepay(s)
2-6% Origination Fee Per Transaction
Residential: $75,000 - $5,000,000
Commercial: $150,000 - $15,000,000
Average 10 Business Days To Close
Foreign Nationals Welcome!
No Minimum Credit Score Required
Only Pay Interest On Funds Received!
Up To 100% Cross Collateral Funding Available; may cover land, vertical & horizontal build costs, closing costs, interest payments during the term of construction and cash out at closing to start construction!  This means you may use equity in a commercial or residential piece of real estate you own to acquire 100% funding.....  Why let your equity sit there an not earn any money towards your future!

Tear Down & Rebuild Funding

PROGRAM C-3
Up To 90% of the Purchase Price (90% LTC)
Up To 100% of all Renovations (Rehab)
Up to 70% ARV (After Repaired Value)
Rates: 8.50% - 13.99% I/O
6-24 Month Terms Available w/ No Prepay Penalty
2-5% Origination/Processing Fee
550 Minimum Credit Score To Participate
Loan Amounts: $75,000 - $5,000,000 (Purchase & Rehab Combined)
Closing in as little as 7 Business Days
Residential & Light Commercial Investment Properties Welcome
100% FUNDING WHEN YOU CROSS COLLATERALIZE YOUR EQUITY!!
JUMBO LOANS AVAILABLE UP TO 10 MILLION

STATED DOCUMENT LOAN PROGRAM

Program C-4

Up to 75% Loan to Value
Rates starting at 6.5%
3, 7 or 30 Fixed loans availabel - 30 Yr Amortized
3-5 yr prepayment penalty
1-4% Origination fee per transaction
Loan amounts: $50,000 - $50,000,000 plus
Close in as little as 15 days
Permanent and Non Permanent Resident Aliens Approved
if refinance, Only 30 days seasoning required

OUR PROGRAMS

  1. MULTI FAMILY RETAIL
    Up to 90% LTV Unlimited Cash Out No Pre-Payment Penalty Flexible Amortization Schedules Close in 3-5 Days Non Recourse Loans Par Pricing Brokers Protected Pays up to 3 pts. yield spread 2-5 year adjustable rates Interest Only
  2. CHURCH LOANS
    Many leaders are making loan and of those that do even fewer are willing to help churches. We arrange funding for loans ranging from $75,000 to our largest project to date $24,500,000 for small to large church.
  3. SELF STORAGE GOLF COURSE
    We will provide financing on all types of self-storage facilities. CITI Financial will work with you to provide the right loan structure for your self-storage facility whether it is a purchase, refinance, or construction. We have financed self-storage facilities that are being leased up, are already fully leased, or have yet to start construction.
  4. ASSISTED LIVING STUDENT HOUSING
    CFG Affiliates Banks and Investors offers financing for seniors housing projects; including congregate care facility mortgages, assisted living property loans, skilled care nursing home mortgages, and continuing care retirement community loans.
  5. BARS & RESTURANT
    You Have Enough On Your Plate Get $5,000 to $300,000 in as little as 24 hours High approval rate – no need for perfect credit score Purchase/Refinance loans available up to 10 Million. Call today
  6. MOBILE HOME PARK
    Mobile home park loans available nationwide (secondary and tertiary markets acceptable). Multiple program options ensure your park obtains the right financing package to meet your individual investment objectives. Loan sizes starting at $500,000. 15 pad minimum (50 pad minimum for agency and CMBS program). 3, 5, 7, and 10 year fixed rate options. 30 year fixed rate options available through Fannie Mae's Manufactured Housing Community Loan program. Up to 30 year amortizations. Up to 80% leverage.
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There’s No Red Tape In Our QUALIFICATION
 Process. 

We know time is of the essence and the importance of getting the money you need quickly. That’s why our review and prequal process is always fast, efficient and streamlined. Sponsors and brokers, if you have a loan proposal for us, please fill out and submit this form. Brokers are 100% protected.  We love Brokers.
Trusted Funding partners with over 10 Billion in Funding in 2017. Let us arrange funding for your project in 2018. Commercial loan Advisors
 


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