Since 1977, we have the necessary experience to make getting a wall street conduit loan a painless process for the client.
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Wall Street Conduit Loan

Ocean Pacific Capital has been in the commercial loan business since 1977. We have the experience needed to make getting a wall street conduit loan a smooth and easy process for the client. For more information read the following article by Tim O'Donell - a manageing director at Fanitni & Gorga, Boston, MA

"Over the last several years, the entry of 'Wall Street conduits' into fixed 0-rate mortgage lending has been the most notable development in a rapidly changing landscape.  Real estate borrowers who never had anything to do with Wall street investment banks, except perhaps to open a brokerage account, suddenly found these fast-talking city slickers were competing with banks and life companies for bread-and butter loans.

     The investment bankers were, of course, combining the loans they originated into pools, usually of $1 billion or more for sale to investors through public offerings.  These process, flowing (figuratively through a "conduit") from origination to securitization, is a business that's here to stay.  but a lot of the origination and some of the securitization have slipped away from Wall street.

     This is most noticeable at the Main Street level, in loan origination.  Big national banks are now using their networks of regional loan office's to originate large volumes of loans that will ultimately be securitized.  Some life insurance companies, though by no means all, are writing loans using the documentation demanded by the public market-either because these lenders plan to pool and sell off the loans immediately, or because they want the flexibility to unload them later.  In the long run,  it may be the big banks and the life companies, with their in place origination networks and lower personnel and overhead costs, that originate the bulk of the loans ending up in the public markets.

On the securitizations side, the traditional investment banks have a competitive edge because of the large volume of non-mortgage securities they already distribute to their investor networks.  But even here, the lines between different kinds of financial service firms are beginning to blur, as the federal and state regulations that have kept commercial banking, insurance, and investment banking separated are now being revoked.  The big banks, insurance companies, and financial conglomerates often do their own securitizations, sometimes with the assistance of Wall Street investment housed for some aspect of the deal.

     Many real estate finance professionals now question whether the /Wall street firms will remain active in the origination end of conduit financing.  Some investment bankers have left it already, looking for more profitable lines of business elsewhere.  But other insisted they were in for the long term, even if origination doesn't earn much in itself, they say it provided a critical mass of volume to generate underwriting and trading fees, while supporting other areas of real estate investment banking.

     Conduit lending is here to stay.  Though originations are off sharply from their high in 1998, a large proportion of mortgage loans will continue to follow through the conduit process to the public markets.  But the phenomenon has grown for beyond the Wall street investment banks which created the business and once dominated it."

Ocean Pacific Capital funds all commercial and construction loans from $500,000.00 to $1,300,000,000.00 worldwide.

  • Debt coverage ratios from 1.10 up
  • Adjustable and Fixed Programs
  • Loan to cost up to 100%
  • Loan to value up to 90%
  • 10 to 30 year Financing

If you need Commercial Monies, Equity Partners and /or Secondary / Mezzanine Financing, call our Commercial Loan Department at 1800 595-1474 or apply today for a free consultation.


Whatever your financing needs,
we will tailor a loan that's right for you.

 


Daily Oil & Gas and Wall Street Journal News
10/18/19

Oil Prices Rise Again
Posted on Wednesday October 16, 2019

WTI and Brent crude oil finished higher for the second consecutive day.

$4B India Complex Might Use Wind and Solar Power
Posted on Wednesday October 16, 2019

This photo shows the designed site for the chemical complex, Mundra Port in Gujarat, India. PHOTO SOURCE: Adani

Saudi Aramco to Delay IPO Launch
Posted on Wednesday October 16, 2019

Saudi Aramco has postponed the launch of the world's largest IPO, a move that may put the oil giant's planned November listing in jeopardy.

Rangeland Midstream Canada Begins Oil Pipeline Construction
Posted on Wednesday October 16, 2019

Rangeland Energy III LLC subsidiary, Rangeland Midstream Canada, Ltd., has begun construction of its Marten Hills Pipeline System.

Marathon Petroleum Board, Investors in Talks About CEO
Posted on Wednesday October 16, 2019

Marathon Petroleum Corp. board members are meeting this week with activist investors to discuss CEO Gary Heminger's future and the company's strategy amid calls to split up its businesses.

Gulf Oil Production to Set Records Through 2020
Posted on Wednesday October 16, 2019

Annual oil production in the Gulf of Mexico is expected to jump to 1.9 million bpd in 2019.

Aramco's IPO Comes in Midst of Rough Times for Saudi Markets
Posted on Wednesday October 16, 2019

Anyone buying into Saudi Aramco's initial public offering in anticipation of a quick rebound in the country's stock market may be in for a disappointment.

Asian Buyers Seek Oil From Closer to Home
Posted on Wednesday October 16, 2019

Soaring oil tanker costs are boosting Asian demand for crude grades produced closer to home.

BHGE Drops the GE
Posted on Wednesday October 16, 2019

Baker Hughes, a GE company (BHGE) reported Thursday that it has changed its name to Baker Hughes Co.

Buyer for Chevron's UK Fields Seeks Funds From Traders
Posted on Wednesday October 16, 2019

A unit of Delek Group is seeking alternative means of financing to complete its $2B acquisition of some of Chevron’s North Sea oil and gas assets.

Wall Street Journal
Commercial News

10/18/19

WSJ.com: US Business

AT&T in Talks to Resolve Elliott Management's Activist Campaign
AT&T is in talks with Elliott Management to resolve the activist investor?s campaign for change at the phone and media giant, people familiar with the matter said.

Businesses Give Draft Brexit Deal Cautious Welcome, but Questions Remain
European businesses welcomed a potential deal to avoid a messy break between the U.K. and European Union, but investment plans that many companies have put on hold aren?t likely to get started anytime soon.

Why Your Next Louis Vuitton Bag May Hail From Texas
The global luxury brand, born in Paris, has found a home on the range to make handbags for a world of picky consumers and trade wars.

Zuckerberg Rebuffs Calls for Tighter Controls
In a rare policy speech that could have ramifications for the U.S. presidential campaign and social movements world-wide, the Facebook CEO asserted his commitment to free speech over more aggressive policing of social-media platforms.

Juul Halts Online Sales of Some Flavored E-Cigarettes
Juul is halting online sales of its sweet and fruity e-cigarette refill pods as federal regulators prepare to pull most nicotine vaping products off the market in response to a surge in teen vaping.

Fed Eyes Another Rate Cut, Weighs When to Stop
Federal Reserve officials are heading into their meeting in two weeks likely to cut interest rates while debating whether they?ve done enough for now to vaccinate the economy against growing risks of a sharper slowdown.

House Republican Asks for Details on Fed Balance-Sheet Operations
The top Republican on the House Financial Services Committee is seeking more details about the Fed?s plan to expand its asset portfolio and wants to know whether regulations played a role in recent dysfunction in short-term lending markets.

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Charles Elfsten, President
Charles A. Elfsten
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