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
12/5/19

Oil Prices Lackluster Amid Wait on OPEC+
Posted on Wednesday December 04, 2019

Brent crude oil futures showed a meager gain Thursday, and West Texas Intermediate (WTI) posted no gain at all.

Energy Transfer Expands Pipeline Network
Posted on Wednesday December 04, 2019

The expansion comes with the closure of Energy Transfer's SemGroup acquisition.

OPEC+ Agrees to New Deal That Leaves Oil Supply Barely Changed
Posted on Wednesday December 04, 2019

OPEC reached an agreement that adjusts its official production targets, but removes few barrels from a market that's forecast to return to surplus early next year.

N. American Shale Primed for Growth Despite Possible Oil Price Declines
Posted on Wednesday December 04, 2019

The production outlook for North American shale will remain robust in coming years, despite a potential drop in oil prices, according to Rystad Energy.

Shale Frac Spread Rebound Hopes Fade
Posted on Wednesday December 04, 2019

A seasonal increase in the number of US shale basin-based frac spreads has not materialized.

Oil Tankers Idling Off China Possess Key to Shipping Rates
Posted on Wednesday December 04, 2019

The fate of at least 15 oil tankers idling off the coast of China holds the key to determining the path of global freight rates.

Saudis Offer OPEC+ Quid Pro Quo
Posted on Wednesday December 04, 2019

Saudi Arabia is offering fellow OPEC+ members a quid pro quo - If you stop cheating, we'll curb production.

TGS Starts Additional Montney Project
Posted on Wednesday December 04, 2019

TGS has started onshore seismic acquisition for an additional Montney basin 3D project in Canada.

FSMR Sticks to Oil Price Forecast Again
Posted on Wednesday December 04, 2019

Fitch Solutions Macro Research has left its Brent crude price forecasts unchanged for the second time in a row.

Petrobras Plans $34B in Dividends by 2024
Posted on Wednesday December 04, 2019

Petrobras plans to pay its shareholders $34 billion in dividends over the next five years as it cuts debt and sells assets to shore up its finances.

Wall Street Journal
Commercial News

12/5/19

WSJ.com: US Business

United Airlines CEO to Step Down
United Airlines said Chief Executive Oscar Munoz will become executive chairman in May, with President Scott Kirby taking the CEO post.

Uber Issues Report Detailing Safety Incidents on Ride-Hailing Platform
Uber says 235 sexual assaults reported on platform in 2018 vs. 229 in 2017.

GM, LG to Spend $2.3 Billion on Electric-Car Battery Venture
General Motors and South Korea?s LG Chem plan to build a large battery factory in Ohio, the latest example of an auto maker plowing money into electric cars.

Smith & Wesson Parent Sees Higher Gun Sales
American Outdoor Brands, Inc., the parent of Smith & Wesson, provided more evidence that demand for guns was stabilizing, with full-year sales and profit guidance that topped analysts? expectations

How Amazon Dodges Responsibility for Unsafe Products: The Case of the Hoverboard
Lawsuits are testing an argument that underpins the modern tech industry, that internet companies are mere platforms connecting buyers and sellers and aren?t responsible for the quality or safety of the products.

American Firms Import Fewer Chinese Goods
Imports of Chinese goods fell in October after the U.S. imposed new tariffs on consumer goods, and the overall trade deficit narrowed on a drop in imports and exports.

Mnuchin Working Closely With Fed, Bank Regulators on Repo Market Issues
Treasury Secretary Steven Mnuchin said he is working closely with the Fed to make sure there are ample reserves, or deposits banks keep at the Fed, following funding strains in money markets in September.

BRE #:00619059
Charles Elfsten, President
Charles A. Elfsten
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