Commercial Mortgages

Contracts on commercial property are not much different from contracts on personal property. Commercial property is property that produces income. Office buildings, apartments and factories are examples of the most common commercial property that we see and purchase contracts on.

Commercial Real Property is generally sold or conveyed the same way Residential Real Property is in the same state. Therefore if your state commonly uses "contracts for deed," "deeds of trust," or "mortgages," for Residential Real Property, then it will also generally use the same instrument for Commercial Real Property.

There are many factors that go into determining the market value of a seller held mortgage. The duration, interest rate, amount of the payment, the current value of the asset securing the mortgage, clear title, the pay history on the commercial mortgage, the payer's credit history and the overall risk of stepping into the mortgage. Investors must weigh all of these factors when making offers on seller held commercial mortgages. There is always a discount for taking over the risk of stepping into seller held mortgage. Some companies claim to be able to purchase mortgages at face value. Don't believe it! There is a lot of work that goes into closing one of these transactions and no company is going to do all that work, just to have a payer pay the commercial mortgage off the next day.

C & A Financial Programs, Inc. will do all of the work associated with purchasing your seller held commercial mortgage at no extra cost to you. You will be quoted a net amount to purchase your commercial mortgage. C & A Financial Programs, Inc. will pay for all title searches, appraisal costs and all other expenses related to closing the transaction.

If you have a commercial mortgage to sell, fill out our Mortgage Quote Form and send it and we will get the process started, or call today and let our team of experts assist you in finding the plan that is best for you!


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C & A Financial Programs, Inc.
Note Buyer
Licensed Mortgage Lender