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
4/19/19

It's Film or Fall Behind For the Oil, Gas Industry
Posted on Thursday April 18, 2019

Five ways video content is key for attracting top talent in energy.

Reliance Considering Refinery Stake Sale to Aramco, Adnoc
Posted on Thursday April 18, 2019

Reliance Industries Ltd. may sell as much as 25 percent of its refinery business in a deal that could yield at least $10 billion.

Vitol's LNG Trading Desk Shifts to London
Posted on Thursday April 18, 2019

The move underscores the rising prominence of LNG for some of the biggest energy traders.

Total Turns to Artificial Intelligence to Cut Drilling Costs
Posted on Thursday April 18, 2019

The digital factory will employ between 200 and 300 engineers and build on successful North Sea pilot projects.

Oil, Gas Leaders Combat Labor and Sex Trafficking Boom
Posted on Thursday April 18, 2019

NOV exec outlines what oil and gas pros can do to help human trafficking victims break free.

Exxon Makes 13th Oil Discovery Offshore Guyana
Posted on Thursday April 18, 2019

ExxonMobil made a new oil discovery at the Yellowtail-1 well offshore Guyana, marking its 13th discovery on the Stabroek Block.

Supertanker Loads American Oil Without Nearing US
Posted on Thursday April 18, 2019

A supertanker filling up with crude in the Gulf of Mexico is routine these days. Less so is a supertanker loading American oil without coming within 1,000 miles of the Texas or Louisiana coast.

Chrysaor Touted as Incredible Growth Story
Posted on Thursday April 18, 2019

Chrysaor has been touted as an incredible growth story by Wood Mackenzie.

$6B Project with Up to 8,000 New Jobs Sanctioned
Posted on Thursday April 18, 2019

The steering committee for the offshore Azerbaijan ACG field has sanctioned the next stage of the development.

Crude Oil Settles Higher
Posted on Wednesday April 17, 2019

Meanwhile, Henry Hub natural gas fell for the fourth straight trading day.

Wall Street Journal
Commercial News

4/19/19


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Charles Elfsten, President
Charles A. Elfsten
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