Since 1977, we have the necessary experience to make getting a wall street conduit loan a painless process for the client.
Call us toll-free at 1-800-595-1474
Call Us...Toll Free!

5-Star Mobile Home Parks
Apartments
Apartment Buildings
Assisted living facilities
Auto repair garages
Boutique hotels
Car dealerships
Care facilities
Car wash facilities
Casinos
Church financing
Congregate care
Drugstores
Walgreens
CVS Pharmacies
Rite Aid
Energy
Ethanol plants
Factories
Factory outlets
Franchises
Gas stations
Golf courses
Grocery stores
Hospitality
Hotels
Housing developments
Independent living facilities
Industrial parks
Land acquisitions
Manufacturing facilities
Medical facilities
Medical offices
Mini storage
Mixed use
Mobile home parks
Movie theaters
Office buildings
Offices
Parking garages
Post Offices
Private schools
Raw land
Regional malls
Residential subdivisions
Resorts
Restaurants
Retail centers
RV parks
Senior housing
Shopping centers
Ski resorts
Special use buildings
Strip centers
Student housing
Tract development
Warehouse distribution centers
Warehouses
Wineries

 
 
 

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
9/19/20

Wellesley Petroleum drills dry hole in North Sea PL 829
Posted on Friday September 18, 2020

Wellesley Petroleum AS drilled a dry hole in North Sea production license 829, about 75 km north of Gjøa field and 60 km northwest of Florø in 211 m of water.

Vintage completes Vali development concept
Posted on Thursday September 17, 2020

The Vintage Energy Ltd.-led joint venture in southwest Queensland Cooper basin permit ATP 2021 completed the development concept for Vali gas field.

BW Energy plans Hibiscus-Ruche development via converted jack up
Posted on Wednesday September 16, 2020

BW Energy provided an alternative development plan for Hibiscus-Ruche, in the Dussafu Marin permit and associated Ruche Exclusive Exploitation Area offshore Gabon.

Theia Energy moves Great Sandy Desert exploration project forward
Posted on Monday August 31, 2020

Theia Energy has entered a land use agreement with the Karajarri Traditional Lands Association enabling the company to move forward with its unconventional oil and gas exploration plans in the onshore Canning basin permit EP 493.

Triangle placement and share purchase plan to fund Cliff Head work
Posted on Thursday August 27, 2020

Triangle Energy (Global) Ltd., Perth, has raised $2.2 million (Aus.) through a share placement and intends to raise a further $1 million via a share purchase plan to current shareholders.

Wall Street Journal
Commercial News

9/19/20

WSJ.com: US Business

U.S. Bans Chinese Apps TikTok and WeChat, Citing Security Concerns
The Trump administration will begin restricting downloads and use of popular Chinese-owned apps TikTok and WeChat late Sunday, in a move U.S. officials said arose from national security concerns but which drew objections for impinging on free-speech rights.

Judge to Hear Arguments on Trump's WeChat Restrictions
A California federal judge will hear arguments Friday as part of an emergency push to delay enforcement of President Trump?s order placing restrictions on the app WeChat.

WeChat Ban Rattles Chinese Communities in U.S.
Many Chinese-Americans and U.S. businesses with a largely Chinese clientele say they rely on WeChat as their primary tool for keeping in touch with people in China and in Chinese communities throughout the world.

Companies' New Back-to-Work Dilemma: Who Returns First?
Employers use algorithms and dashboards as they navigate liability concerns and bruised egos.

The Incredible Shrinking GM: Mary Barra Bets That Smaller Is Better
The CEO streamlined a company that for decades reigned as the world?s largest auto maker. Now, she is readying for the next big bet: electric cars.

Jobless Rates in Northeast, West Are Highest in Nation
Unemployment rates in regions across the U.S. moved down this summer after peaking in April, when the coronavirus first triggered widespread lockdowns. Still, jobless rates clocked in above 10% in 10 states.

Fed Issues New Bank Guidance to Improve Main Street Loan Access
The move is a bid to increase loans to small and midsize businesses via the central bank?s program amid the coronavirus pandemic.

BRE #:00619059
Charles Elfsten, President
Charles A. Elfsten
Top| Contact| Privacy| Licensing| Site Map| Resources
DESIGNED AND
POWERED BY

Ocean Pacific Capital