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Commercial real estate is a great way to increase your personal wealth.  You can generate rental income, make property improvements and sell it for a profit or leverage your equity to purchase additional properties.  Many business owners and investors are exploring commercial real estate opportunities to expand their enterprises and assets.  Working with an experienced team will help ensure that your financing needs are met.  There are some really good loan programs that will facilitate purchase and refinance transactions. Some programs will allow stated or limited income sources for qualification, as most of the underwriting risk will be determined by whether the property generates enough income to pay it's expenses.  For commercial funding solutions contact me today.

                                                                  Thanks,

                                                                  Ray Cole

Absolutely!  There are many reasons that make owning real estate a good idea.   In most cases you have two options, they are to own real estate or rent real estate from someone else.  If you rent real estate, you may be able to do so for less expense upfront.  Near the end of your rental term you may elect to renew your lease or move.  Either way the money that you have paid for housing has no future benefit to you and has padded the pockets of the landlord.       Owning real estate has historically been a great investment.  For over 100 years, on average it has gained value. It has created a great deal of wealth for many, but the average homeowner has realized property appreciation when owning real estate for greater than five years.  Do not dwell on the current economic statistics that only point to doom and gloom.  Unless you believe that most people will resort to living in tents, real estate is a necessity.  If you buy a house today, it will probably be worth more than what you paid for it  five years from now.  Real estate had always been view as a long term investment until recently. During the past 10 years or so, real estate has returned double digit profits to homeowners and in some cases triple digit profits in relatively short periods of time.  In normal times real estate has appreciated between 3% - 5% annually with very few years of  losses in value.   Owning real estate may give you tax advantages, home equity, stability, pride of ownership and fewer transitional neighbors.  The key is to buy at the right price.   There has never been a better time than NOW!!!

                                              Call Me Today,

                                               Ray Cole    

                                              (410) 526-6256

     The economy has stalled and the normal growth indicators are looking bleak.  This means that as domestic and global equities struggle,  bonds become more attractive and investors shift a larger percentage of their holdings into more secure  vehicles.  This results in better pricing for mortgages loans.  Also, as the housing supply exceeds the current demand, it creates greater opportunities for first time and move up home buyers.  Now is the time..... complete  our  loan application to find out how these opportunities may benefit you !!!

                                                                      Let's Talk,

                                                                      Ray Cole