marketing toolkit - silverhillfunding.com · stated owner-occupied program: ... you may have found...

Silver Hill Funding, LLC. NMLS ID 1564077. © Copyright 2017 Silver Hill Funding, LLC. SHF-0022-100 V2.2 Silver Hill Funding, LLC programs are offered to qualified commercial lending institutions and are not applicable to the general public and/or individual consumers. This information is for lending institutions only, and not intended for use by individual consumers or borrowers. Programs may be cancelled or modified at any time without prior notice. Programs may not be available in all jurisdictions. Equal Housing Lender.

SILVER HILL FUNDING

Marketing Toolkit RESOURCES FOR SOURCING MORE

SMALL-BALANCE COMMERCIAL MORTGAGE LEADS


Experience Smoother, Faster, More Confident Commercial Lending

Partner with Silver Hill Funding for non-bank solutions that make sense for your clients

Silver Hill’s reduced documentation programs and smooth transaction process are a good fit for un-bankable small-business owners and investors who still deserve a long-term solution and competitive rate. If you’re struggling to work with traditional lenders, our non-bank, alternative options can help your client get the funding they need – fast.

Silver Hill Funding at a Glance

Small Loan Amounts: Wide Range of Property Types:

$250,000 - $2 Million Multifamily, Mixed-Use, Retail, Light Industrial, Office, Self-Storage, Warehouse, Mobile Home Park, Automotive, Daycare Center, Restaurant, Bar

Underserved Group of Borrowers: Common Financing Needs:

• Small-business owners and investors

• Credit-worthy but unable to work with banks

• Purchase

• Rate and term refinance

• Cash-out refinance

Programs that Make Sense:

• Lite Doc Investor Program: Best for investors who may not be able to disclose certain financial information or whose properties are more valuable than a tax return might show.

• Stated Owner-Occupied Program: Best for owner-occupied transactions where the business owner has difficulty documenting their income for traditional lenders.

• Complete Program: Best for credit-worthy investors or business owners looking for an alternative to restrictive bank financing.

Happy Clients:

• “I appreciate all of your hard work on the file and getting us a successful closing. You were very professional, knowledgeable and did a great job keeping the deal on track despite various challenges!”

• “I really enjoyed working with Silver Hill Funding. The process was smooth and your staff was great and super responsive. The time frame was excellent from start to finish and I will be sending more deals your way. Thank you for taking care of my client.”

1


Optimize Your Small-Balance Marketing Efforts Take advantage of the following resources to grow your commercial mortgage business and close more deals

Email Templates | 4-8 Use these templates to clearly and persuasively market your small-balance commercial programs to your database of existing and potential clients/referral sources. Feel free to personalize the content with information regarding your business and unique strengths as a mortgage professional. Reminder: As you create your email campaigns, be sure to follow the regulations laid out in the Federal CAN-SPAM Act.

Phone Scripts | 10-14 Tailor these phone scripts to match your personal style and then use them to reach out to potential borrowers and referral contacts, such as real estate brokers and title insurance agents.

Reminder: You are responsible for complying with all applicable state and federal laws and regulations governing telephone solicitations.

Self-Service Materials | 16-20 Save time by using our customizable collateral to promote your ability to close small-balance commercial loans. Available resources include an unbranded mailer, postcards, and flyers advertising each of Silver Hill’s innovative lending programs Note: Unbranded mailer and postcard templates can be found in our online broker portal. If you do not currently have access to the portal, you can create your account here: http://silverhillfunding.com/register/

One-Click Tax Transcripts from Taxdoor | 21-22 Silver Hill has partnered with Taxdoor to offer a fully-automated solution for ordering verified income data via IRS tax transcripts. You can use our unbranded flyer to promote this service to your clients.

2

http://silverhillfunding.com/register/


SILVER HILL FUNDING

Email Templates

3


Email for Purchase or Refinance

Opportunity from [Your Name], your mortgage professional

Hi, [Borrower Name]

I just wanted to let you know that my company is offering an exciting new program for commercial real estate loans from $250,000 to $2 million. It’s fast and simple with competitive rates and a common-sense approach to lending.

It also focuses on your personal financial strength and credit rating rather than just the cash flow of the property. Cash-out refis are also available and the process is truly simple, even if you’re unfamiliar with commercial mortgage lending.

Please let me know if this program is something that interests you. You can reach me via email or give me a call and we’ll set up a meeting at your convenience.

[Your Name]

[Company Name]

[Phone]

[Email]

4


Email to Prior Clients

Hi [Borrower Name],

I hope this finds you and your family well. As your mortgage professional, I’m always looking for ways to assist my clients with their financial needs. I’m writing to tell you about an exciting new program that might interest you.

When we settled on your property back in [date], you had great personal financial strength and excellent credit scores. My company is now offering strong borrowers like you the opportunity to purchase or refinance a commercial property as well.

In the past, you may have found that obtaining financing for a small commercial property was time-consuming and complicated. Not anymore! This new program makes the process fast and easy because our company underwrites your loan based on your good credit and financial strength.

We’re making it much easier to own a small commercial property and I hope that you’re as excited about this new program as I am. If you are interested, I would like to set up an appointment at your earliest convenience so we can further discuss your financing options. I will call you to follow up in the next few days.

Sincerely, [Your Name]

[Company Name]

[Phone]

[Email]

5


Email: New Client Purchase

Hi, [Borrower Name]

Have you ever considered purchasing a small commercial property to increase your business and personal worth?

I am writing to tell you about a new commercial lending program that my company, [Company Name], is offering. This innovative program offers commercial real estate loans from $250,000 to $2 million to strong borrowers. The process is easy, predictable and fast!

I’d like to discuss this program with you further and will call to set up an appointment at your earliest convenience.


[Company Name]

[Phone]

[Email]

6


Email: New Client Refinance

Hi, [Borrower Name]

I am writing to introduce a new program that my company, [Company Name], has tailored for the needs of commercial property owners. This program will allow you to cash-out the equity in your property.

Our mortgage professionals are experts in small-balance commercial loans and will work with you every step of the way, making cash-out refinancing easier than ever!

- Borrow up to 80% of your property’s value

- Competitive rates

- Quick Closings

Call [xxx.xxx.xxxx] or email us at [[email protected]] to talk about obtaining a financing solution for your small commercial property.


[Company Name]

[Phone]

[Email]

7


Referral Source Email

Hi, [Referrer Name]

I’m really excited to tell you about a new loan product that I believe will add tremendous value to my referral partners. My company is broadening its product line to include small-balance commercial real estate mortgages for loans from $250,000 to $2 million.

This niche program is ideal for clients who are looking to invest in commercial real estate, or small-business owners who are interested in purchasing or refinancing a property, and have strong credit and personal financial strength.

Property types include: multifamily, mixed-use, office, retail, office, self-storage, light industrial, automotive, mobile home park, daycare center, restaurant, and bar.

Some of the exciting benefits of our unique loan program include:

- LTV’s up to 80%

- Flexible rate and term options

- Amortizations up to 30 years

- Cash-outs

I will follow up with you in the next week to set up some time to discuss this program further and how it can open doors to new opportunities for both of us.

Best Regards,

[Your Name]

[Company Name]

[Phone]

[Email]

8


SILVER HILL FUNDING

Phone Scripts

9


Prior Client For Refinance

Hello, [Borrower Name]. This is [Your Name], your loan officer. I’m calling today to talk about a new mortgage product that I’m able to offer you.

We are really excited about this new mortgage product, as we’re always looking for solutions for our customers’ financing needs. Recently, my company introduced a new program for small-balance commercial loans. This new program allows you to secure loans from $250,000 up to $2 million based on your strong credit and personal financial strength.

I can offer you a commercial mortgage to refinance your commercial property with cash out transactions along with a very competitive rate. Would that be something that might interest you?

Great! Now, in order to help you qualify for this unique opportunity, I’d like to run through a few quick questions with you.

1. What type of commercial property do you own? 5+ multifamily mixed-use office/retail/warehouse self-storage unit light industrial automotive mobile home park daycare center restaurant bar other

2. Is it owner-occupied or investment?

3. What was the original price? When did you purchase the property?

4. Do you know the value of the property? a. How did you derive this value? Appraised value? b. How much money was spent on the property improvements? Can you

describe the improvements?

5. Is your current financing with a bank or a private lender? a. What are your current terms? b. Do you have a mortgage balloon expiring? When?

6. Do you know your credit scores? We will need a tri-merge credit report, so are

there any credit issues we need to discuss?

Great, I think I have enough information. What we need to do next is set up an appointment so that I can get your approval to start the process. What day and time is good for you?

10


Prior Client for Purchase

Hello, [Borrower Name]. This is [Your Name], loan officer. I am calling today to talk about a new product that I can offer you.

Recently, my company introduced a new commercial loan program that’s designed for strong borrowers with favorable credit ratings and solid personal financial strength. Maybe you’ve tried to secure financing for a commercial property in the past but were discouraged by the long drawn out process and difficult to obtain loans? My company is offering commercial loans from $250,000 to $2 million.

Are you interested in owning your own commercial property?

Excellent! In order to help qualify you for this financing, I need to run through a few simple questions with you.

1. What type of commercial property do you own? 5+ multifamily mixed-use office/retail/warehouse self-storage unit light industrial automotive mobile home park daycare center restaurant bar other


3. What is the sale price of the property?

4. Is the purchase price strictly based upon real estate value (i.e. no fixtures, furniture or equipment)? Are you including the business/ongoing concern in the purchase price?

5. When does your agreement of sale expire?

6. How much down payment do you have?

7. Do you know your current credit scores? Note: We will need a tri-merge credit

report. Are there any credit issues we need to discuss?

Great. I believe I have enough information here to get started. What I’d like to do next is set up a meeting with you to complete the application and review your credit status. We will get you pre-qualified based on your good credit and the property you’d like to buy. So, what is a good day and time for you?

11


New Client for Refinance

Hello, [Name of Small Commercial Property Owner]. My name is [Your Name].

I’m calling to follow up on an email I recently sent you regarding financing opportunities for your commercial property. I wanted to go over some of the highlights of our commercial lending program to show how you can obtain financing up to $2 million, even if you didn’t think it was possible.

First, my company’s program is designed to meet the needs of commercial property owners like you. The program is very flexible with cash-out scenarios with competitive market rates.

Many real estate investors and business owners have different needs, but most agree on the need to access capital. Would you say that this applies to you as well?

Great! In order to qualify you for this financing opportunity, I just have to ask you a few simple questions. This will only take a few minutes.

7. What type of commercial property do you own? 5+ multifamily mixed-use office/retail/warehouse light industrial self-storage unit automotive mobile home parks daycare centers restaurant bar other


9. What was the original price? When did you purchase the property?

10. Do you know the value of the property? a. How did you derive this value? Appraised value? b. How much money was spent on the property improvements? Can you

describe the improvements?

11. Is your current financing with a bank or a private lender? a. What are your current terms? b. Do you have a mortgage balloon expiring? When?

12. Do you know your credit scores? We will need a tri-merge credit report, so are

there any credit issues we need to discuss?

Great, I think I have enough information. What we need to do next is set up an appointment so that I can get your approval to start the process. What day and time is good for you?

12


New Client for Purchase

Hello, [Borrower Name]. My name is [Your Name].

I am calling to follow up on an email I sent you recently describing a new program that I am offering. It’s an innovative program designed for strong borrowers who are looking to purchase a small commercial property.

One of the best investments available today is real estate — whether residential or commercial. Maybe you’ve thought that obtaining financing for a commercial property is difficult or out of your financial reach. Does that sound like you?

Recently, my company introduced a new program for commercial loans from $250,000 to $2 million. The program is designed for strong borrowers with favorable credit ratings and solid personal financial strength.

Would you be interested in learning more about this product?

Great! In order to help qualify you for this opportunity, I just have to ask you a few simple questions, which won’t take much time.

1. What type of commercial property do you own? 5+ multifamily mixed-use office/retail/warehouse light industrial self-storage unit automotive mobile home parks daycare centers restaurant bar other

2. Is it owner-occupied or investment? 3. What is the sale price of the property?

4. Is the purchase price strictly based upon real estate value (i.e. no fixtures,

furniture or equipment)? Are you including the business/ongoing concern in the purchase price?

5. When does your agreement of sale expire?

6. How much down payment do you have?

7. Do you know your current credit scores? Note: We will need a tri-merge credit

report. Are there any credit issues we need to discuss?

Great, I believe I have enough information here to get started. What I’d like to do next is set up a meeting with you to complete the application and review your credit status. What is a good day and time for you?

13


Title Company

Hello, [Title Company Principal]. This is [Your Name].

I’ve enjoyed the work we’ve done together in the past and I’m calling to talk to you about an exciting line of business I’ve recently entered. A new program my company introduced can increase the number of Title policies you write with no extra prospecting work on your part — all in exchange for your assistance.

My company’s new program offers small-balance commercial loans between $250,000 and $2 million and we focus on the strength of the borrower and not just on the property cash flow.

Since many of my clients will benefit from refinancing or even purchasing an additional property for business or investment purposes, I’ve found that it’s best to start with a list of people who already own some type of property. That’s where you can help. I’d like for you to consult your closed files and pass along the information of any potential borrowers who might fit our program.

You and I have enjoyed a good relationship, so you know how well I will treat your clients. It goes without saying that I will direct my clients to you for the title insurance.

Does this sound like it might be of interest to you? When would you like to meet to further discuss this opportunity?

14


Note: Unbranded mailer and postcard templates can be found in our online broker portal. If you do not currently have access to the portal, you can create your account here: http://silverhillfunding.com/register/

SILVER HILL FUNDING

Self-Service Materials

15

http://silverhillfunding.com/register/

Program Features:··· Amortizations up to 30 years· No seasoning requirements· Cash-outs··

Property Types:

Multifamily

Office

Retail Office

Innovative Lending Programs

SMALL-BALANCE COMMERCIAL MORTGAGES

· Office

· Light Industrial · Mobile Home Park

· Automotive · Daycare Center · Restaurant · Bar

· Self-Storage

· Retail· Multifamily · Mixed Use · Warehouse

SMALL-BALANCECOMMERCIAL MORTGAGESOLUTIONS FOR INVESTORS

Program Features:

• No Tax Returns or 4506Trequired

• LTVs up to 75%

• Loans from $250K to $2M

• Amortizations up to 30 years

• No seasoning requirements

• Cash-outs

• Flexible prepayment options

No Tax Returns or 4506T Required

COMPANY

TELEPHONE

EMAIL ADDRESS

WEB ADDRESS

ADDRESS

• Multifamily • Self-Storage • Warehouse • Mixed-Use • Daycare Center • Light Industrial

• Automotive • Retail • Mobile Home Park • Office • Restaurant • Bar

COMPANY

TELEPHONE

Small-BalanceCommercial MortgageSolutions for Owner-Occupied PropertiesStated income solutions for business owners in need of commercial mortgage financing.

No Tax Returns or 4506T Required

Program Features: • No Tax Returns or 4506T required

• LTVs up to 75%

• Loans from $250K to $2M

• Amortizations up to 30 years

• No seasoning requirements

• Cash-outs

• Flexible prepayment options

• Warehouse • Mixed Use • O�ce • Light Industrial

• Self-Storage • Retail • Automotive

• Daycare Center • Restaurant • Bar

Be a Solution Provider for Your Clients

It’s the little things you do during a small-balance commercial transaction that make

Taxdoor is a fully-automated solution that makes ordering tax transcripts as easy as

income data via IRS tax transcripts.

Silver Hill Funding places a transcript order electronically and your applicant receives a text message or email which allows him or her to verify addresses and digitally approve the release of their tax information using their smartphones or computers. The order is instantly routed to the IRS and the tax transcripts and accurate 4506Ts are returned in 3-5 business days to Silver Hill Funding.

What is Taxdoor?

One-Click Tax Transcripts

Silver Hill Fundingplaces tax order

Instant borrower authorization

Instant delivery to IRS for processing

Silver Hill Fundingreceives transcript

data and PDF in 3-5 business days

CALL YOUR REGIONAL MANAGER TO LEARN MORE ABOUT HOW YOU CAN GET STARTED WITH TAXDOOR AT

Silver Hill Funding and Taxdoor have partnered to make ordering tax transcripts easy.

844.641.1035

Silver Hill Funding, LLC. NMLS ID 1564077. Copyright 2017 Silver Hill Funding, LLC. SHF-0022-003 All rates and programs are subject to change at any time without prior notice. This program description is for use of real estate and mortgage lending professionals only and is not an advertisement under section 1026.24 of Regulation Z, and is not intended for use by the general public.

Taxdoor Makes Ordering Tax Transcripts Easy

Taxdoor is a fully-automated solution that makes ordering tax transcripts as easy as ordering a credit report, providing a simple, one-click solution for ordering verified income data from IRS tax transcripts.

The traditional method of manually retrieving a tax return information during a small-balance commercial mortgage transaction can create communication issues and processing errors that delay the loan process. With Taxdoor, you authorize tax transcript orders via SMS text or email. Lenders will then receive the order in 3-5 business days.

What is Taxdoor?

One-Click Tax Transcripts

Your broker places tax order

You receive an instant authorization text message or email

Following your authorization, tax order is instantly

delivered to the IRS for processing

Transcript data and PDF received by

lender in 3-5 business days

CALL TODAY TO LEARN HOW THIS SERVICE CAN HELP YOU GET THE FUNDING YOU NEED -- FASTER!

We use Taxdoor to help you quickly secure the funding you need.

Your Name:

Company Name:Tel: (000) 000-0000

Email Address:

Web Address:

Address Line 1:Address Line 2:


Contact Us Today

The sample scripts, letters, postcards and advertisements are intended to provide general information and suggestions only. These items are not offered with any warranty, express or implied, including, but not limited to, compliance with any applicable law or regulation dealing with mortgage brokerage business. All such warranties are hereby expressly disclaimed. It is the responsibility of the user to determine whether these materials comply with any law or regulation governing the conduct of the user. We assume no liability for any loss, damage or expense from errors or omissions in these materials, whether arising in contract, tort or otherwise.

KS, NE, NM, OK, TX 877.858.5066

CT, ME, MA, NH, NJ, NY, RI 844.328.1151

MO, NC, SC 855.891.3356

AK, AZ, CA,CO, OR, UT, WA 844.820.4755

AL, AR, LA, MD, DC, MS, VA 844.820.4754

MI, MN, PA, WI, IA, IL, KY, OH, IN 855.854.9702

FL, GA 877.857.2652

marketing toolkit - silverhillfunding.com · stated owner-occupied program: ... you may have found...

Documents