From Interbay to Wall St. and from Gas Stations to Churches...
...From Apartments and Land Loans to Car Washes and SBA Loans... WE FUND FAST!

            THE LOAN PROCESS



Bruce Cobbeldick, founder of Bay Portal Companies, Inc.

(440) 636-3662

"Where America's Entrepreneurs Go

For Low-cost Loans That Fund Fast"

 

bayportalcompanies@gmail.com

  BAY PORTAL COMPANIES OUR UNDERWRITERS
1. QUALIFICATIONS & PRE-APPROVAL Submit to your InterBay Account Manager:
  • Loan Request Form
  • 1003 Loan Application
  • Tri-Merged Credit Report
  • Purchase & Sales Agreement (if applicable)
  • Broker Registration (First time only)
Issues written Conditional Pre-Approval Letter (CPL)
  • Loan amount
  • Rate
  • Required underwriting documents
  • Required closing documents
  • Estimated appraisal fee
2. UNDERWRITING
  • Collect signed CPL and appraisal processing fee
  • Obtain all additional information and documentation
  • Maintain client communication
  • Orders title
  • Orders appraisal
  • Obtains environmental due diligence
  • Conducts real estate and income analysis (when applicable)
3. CLOSING & FUNDING
  • Keep client informed about loan progress
  • Coordinates with title company and attorney
  • Prepares all loan documents and sends to closing agent (same-day funding available for purchases)
  • Sends executed documents to custodian for review
  • Issues funding next day

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Interbay Funding, Commercial Loans, Hard Money, Silver Hill and Wall Street Money! This Comprehensive Portal Offers Information on SBA Business Loans and Commercial Real Estate Financing! 300k - 500M Network!!!

"Trust is the biggest honor we can earn in this business. Integrity is the definition of our true success!"

Get the facts and help you need. We are experienced and savvy commercial bankers, with a team of processors and underwriters who understand borrowers and co-brokers' needs! You didn't pick the house or business that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

 NO NONSENSE COMMERCIAL LOANS

 "GET THE ADDED VALUE OF DISCOUNTS AND 
 SAVINGS ON YOUR NEXT BUSINESS LOAN!"

 

  • Tri-Merge Credit Report - ALL THREE BUREAUS
  • Certification and Authorization Form
  • Bio/Resume reflecting investor experience / industry experience
  • Environmental disclosure
  • Copy of current rent roll - copy of leases
  • Copy of most recent title insurance policy
  • Copy of purchase agreement (where applicable)
  • Copy of hazzard insurance policy
  • Copy of survey
  • .JPEG images of property/land/buildings (compilation of exterior and interior)
  • Copy of most recent real estate tax bill
  • Executive Summary stating what does this scenario make good strategic sense to pursue
  • Personal and Business Financial Statements
  • Check for $350 for File Handling Fees and $2,000 Commitment Fee(both charged only after RATE/TERMS/FEES accepted by borrower, as once rate/terms/fees are agreed to, we have a contract to deliver our services, and we are paid on the premise that the appraisal, ability to re-pay loan, assets and D.S.R. are sufficient, but we cannot offer Letters Of Intent - those must come from Underwriters upon criteria being met. Due to the volume of work and closing times with commercial, we must charge fees as we cannot work for free. Nor do we wish to be leveraged once we offer terms that a borrower agrees to. If we identify a rate and terms our client agrees with, we have done our role and earned our fees. Funding is based on providing the needed documents and criteria that underwriter requires. Our fees are subtracted from borrower's closing costs upon the loan FUNDING, except for the $350 documentation  handling fees)

 

 

 

When you decide to buy a commercial mortgage, it's a big step. You can trust us to find the loan program that's best for you. Get your Letter of Interest today! CALL 440-808-8926 or call 440-636-3662 TODAY!

Today's Top Real Estate News:

Provided by Inman News. Monday, October 09, 2006
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Bay Portal Companies, Inc. 
26509 Russell Rd Bay Village, OH 44140
Phone: 440-808-8926 Cell: Fax: 440-250-8889
E-mail: bayportalcompanies@gmail.com
 
 
INTERBAY
PREFERRED
PARTNER
"Get Better Pricing With Us"
CALL (440) 636-3662

Copyright © 2006 Bay Portal Companies

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WHEN WAS THE LAST TIME SOMEONE OFFERED TO REBATE YOUR EPA SURVEY OR COMMERCIAL APPRAISAL? GET PAR RATES, STRAIGHT TALK AND F-A-S-T FUNDINGS. E-MAIL BAYPORTALCOMPANIES@GMAIL.COM

 

INTERBAY FUNDING PREFERRED PARTNER, BRUCE COBBELDICK HAS NETWORK OF LENDERS RANGING FROM 300k - 500M GET YOUR LOAN FUNDED F-A-S-T!!!  COMMERCIAL SBA LOANS
Nationwide Lender Commercial & SBA Loans US Business Loans, Interbay, Silver Hill AND 400 OTHER SOURCES! CALL (440) 808-8926 TODAY!
Business and SBA Loans
Commercial SBA Home Loans
Tier One Multi-Family
Retail, Mixed Use  Props
Light Industrial Loans
Spcl Purpose Cmcl Loans
Adjustable Rate Loans
Fax Your Loan Docs to Us!
Recommend This Website to residential loan officers, real estate agents, CPA's, accountants or financial planners! Call 440.668.0887 today!
Co-Broker Cmcl Loans Here
Commercial Co-broker Kit
Interbay Funding Commercial Loans and 9 OTHER LENDERS Offered Here! Land Loans, Commercial Loans, Residential Loans in all 50 states! We are a lender and we WILL SAVE YOU MONEY! Get the low-cost loan you deserve with Bay Portal Companies, Inc. 
Hard Money, Commercial and SBA Lenders
Recommend Website
Mixed Use Commercial
Mixed Use Commercial
Church Loans Underwriting
Shopping Centers / Retail
Choose Interbay Funding Stated Commercial Loans or one of our Full-Doc, Stated, or Wall Street Money Investors to fund your scenario F-A-S-T!
Business/Cmcl Loan Forms
Cash-out Refinance Loans
Stated Income
Interbay Funding Stated Program Commercial Loans
Office Building Loans
Contact Bruce Cobbeldick for Commercial Real Estate And Residential Real Estate Loans. My team prides itself in saying, YES!
Farm Loans
Hard Money, Commercial Real Estate, Land Loans, SBA Business Loans, Stated, Full-doc, and Co-Brokering Services for Residential Loan Officers Nationwide!
Commercial Industrial
Commercial Hotel Loans
InterBay Funding Stated Programs Available and Full-Doc Commercial Apartment Loan Questionnaire
SBA Loans thru Bay Portal Companies
http://www.westshoremall.shoppingcartsplus.com
Owner Occupied Commercial
Far More Than Just Interbay Funding or Silver Hill, we offer Stated Income - Stated Asset Loans on Restaurants and Bars, Apartments, Light Industrial and Retail/Mixed Use Scenarios and Full-doc up to 500M! Call (440) 808-8926 today!
Special Purpose Property
Church Loans 
Commercial Loans Portal Offers Business Loans, Hard Money Loans and Commercial Real Estate Financing Nationwide!
Commercial Mortgage Loans
Commercial Real Estate Financing
COMMERCIAL LOANS, SBA LOANS, HARD MONEY, LAND LOANS AND CONSTRUCTION LOANS - - - Get FAST Fundings, Ask About Our New Wall Street Conduit and Business Factoring Available!
Co-Broker Commrecial Loan
Visit Our Real Estate Portal for Information, Rates, Tools and Tips
Carteret Mortgage
Carteret Business Loans
SBA, Hard Money and Commercial Mortgages!
Commercial Business Loans
INTERBAY FUNDING COMMERCIAL LOANS
Fax-Back Loan Comparison Call 440-808-8926
Call (440) 808-8926 and get the low-cost loan you deserve!
Apply For Mortgage Loans with Team Cobbeldick
Owner Occupied Commercial
Interbay Funding, Commercial Loans, Hard Money, Silver Hill and Wall Street Money! This Comprehensive Portal Offers Information on SBA Business Loans and Commercial Real Estate Financing! 300k - 500M Network!!!
Commercial Loans
From InterBay Stated Income and Wall Street Money to Hard Money and Commercial Banking and Insurance Industry Investment Funds, We Offer Full-Doc Commercial Mortgage Services For FAST CLOSINGS TO MEET YOUR DEADLINES AND BUSINESS OBJECTIVES!
COMMERCIAL REAL ESTATE LOANS
Commercial Loan Help

Contact Bruce Cobbeldick for Commercial Real Estate And SBA Loans. My team prides itself in saying, YES!
 

 

Click filename below to access file

Commercial_Loan_Packet_CALL_440_668_0887_.pdf

Commercial, Business, SBA, Jumbo

Super Jumbo And Hard Money Loans

Nationwide Open 7 Days From 9am-9pm

Bruce Cobbeldick,

Founder, CEO

Bay Portal Companies, Inc.

"We answer our phones 7 days a week. We are an BUSINESS LOAN lender in all 50 states.

Look to us for your low-cost loans - HARD MONEY - Business - SBA - Private Lenders Available also!!!


Bruce Cobbeldick
440-636-3662 Cell
440-808-8926 Home
440-250-8889 Fax
cobbeldick@comcast.net

Get the Low-Cost Loan You Deserve!www.bayportalcompanies.com

We Co-Broker Commercial Loans Offering .250 - 2 pts.

Browsing around for that perfect commercial real estate loan? Look no further!  We focus on commercial real estate loans. We can help you find the loan program you need to suit your specific situation.  If you would like to find out more about what Bay Portal Companies can do for you and your business, please click here  Have a great day! 


Commercial Real Estate loans in Ohio
We will help get you a Commercial Real Estate Loan in Ohio - find your county ...


Adams, Allen, Ashland, Ashtabula, Athens, Auglaize, Belmont, Brown, Butler, Carroll, Champaign, Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance, Delaware, Erie, Fairfield, Fayette, Franklin, Fulton, Gallia, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin, Harrison, Henry, Highland, Hocking, Holmes, Huron, Jackson, Jefferson, Knox, Lake, Lawrence, Licking, Logan, Lorain, Lucas, Madison, Mahoning, Marion, Medina, Meigs, Mercer, Miami, Monroe, Montgomery, Morgan, Morrow, Muskingum, Noble, Ottawa, Paulding, Perry, Pickaway, Pike, Portage, Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Tuscarawas, Union, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood, Wyandot,   

We can help get you a Commercial Real Estate Loan in Ohio - find your city  ...

Akron, Alliance, Amelia, Amherst, Archbold, Ashland, Ashtabula, Athens, Aurora, Avon, Avon Lake, Barberton, Barnesville, Batavia, Beachwood, Bedford, Bellaire, Bellbrook, Bellefontaine, Bellevue, Belpre, Berea, Bowling Green, Brecksville, Broadview Heights, Brookville, Brunswick, Bryan, Bucyrus, Burton, Cadiz, Cambridge, Canal Fulton, Canal Winchester, Canfield, Canton, Carrollton, Celina, Chagrin Falls, Chardon, Chesterland, Chillicothe, Cincinnati, Circleville, Cleveland, Cleves, Clyde, Columbia Station, Columbiana, Columbus, Conneaut, Cortland, Coshocton, Cuyahoga Falls, Dayton, Defiance, Delaware, Delphos, Dover, Dublin, East Liverpool, Eaton, Elyria, Englewood, Fairborn, Fairfield, Findlay, Fostoria, Franklin, Fremont, Galion, Gallipolis, Galloway, Geneva, Georgetown, Germantown, Girard, Goshen, Grafton, Granville, Greenfield, Greenville, Grove City, Groveport, Hamilton, Harrison, Hartville, Heath, Hebron, Hilliard, Hillsboro, Holland, Hubbard, Hudson, Huron, Independence, Ironton, Jackson, Jefferson, Johnstown, Kent, Kenton, Lancaster, Lebanon, Lewis Center, Lima, Lisbon, Lockbourne, Logan, London, Lorain, Louisville, Loveland, Madison, Mansfield, Maple Heights, Marietta, Marion, Martins Ferry, Marysville, Mason, Massillon, Maumee, Medina, Mentor, Miamisburg, Middlefield, Middletown, Milford, Millersburg, Minerva, Mogadore, Monroe, Mount Gilead, Mount Vernon, Napoleon, New Albany, New Carlisle, New Lexington, New Philadelphia, Newark, Newton Falls, Niles, North Lima, North Olmsted, North Royalton, Northfield, Norwalk, Novelty, Oak Harbor, Oberlin, Olmsted Falls, Oregon, Orrville, Ottawa, Oxford, Painesville, Pataskala, Paulding, Perrysburg, Pickerington, Piqua, Plain City, Pomeroy, Port Clinton, Portsmouth, Powell, Ravenna, Reynoldsburg, Richfield, Saint Clairsville, Saint Marys, Salem, Sandusky, Shelby, Sidney, Solon, Springboro, Springfield, Steubenville, Stow, Streetsboro, Strongsville, Sunbury, Swanton, Sylvania, Tallmadge, Tiffin, Tipp City, Toledo, Toronto, Troy, Twinsburg, Uhrichsville, Uniontown, Upper Sandusky, Urbana, Van Wert, Vandalia, Vermilion, Wadsworth, Wapakoneta, Warren, Washington Court House, Wauseon, Waverly, Waynesville, Wellington, West Chester, West Union, Westerville, Westlake, Wheelersburg, Wickliffe, Willard, Willoughby, Wilmington, Wooster, Xenia, Yellow Springs, Youngstown, Zanesville,   

These are some of the common business types can we do Commercial Real Estate Loans for  ...

Auto Rental Yards, Auto Service, Bed and Breakfast, Building and Construction Loans, Car Wash, Church Buildings, Combination of Commercial and Residential, Day Care, Funeral Homes, Hotel and Motel, Light Industrial, Mobile Home Park, Multi-Family 5+ Units, Non allowed building types, Office, Restaurant, Retail Sales, Self Storage, Warehouse,   

Some of the common keywords associated with Commercial Real Estate Loans  
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Some of the common loan types associated with Commercial Real Estate Loans
Acquire or Expand a Business, Acquisition and Development Project, Adult Care, Apartment Complexes, Apartments 5+ Units, Asset Financing, Asset Leasing, Automotive Repair Shop, Bars, Bed and Breakfast Inn, Boutique Hotel, Boutique Motel, Bridge and Private Money, Cocktail Lounge, Equipment Financing, Equipment Leasing, Gas Station, Hard Money Financing Programs, Large Balance Commercial, Mezzanine Financing Programs, Mobile Home Park, Motel, Multi Family Units, Nursing Home, Office Complex Funding, Office Financing Programs, Purchase, Restaurant, Self Storage Unit, Small Balance Commercial, Special Use Hotel, Stated Assets., Stated Income Financing
!

 

 

 

Thank you for looking to us for your low-cost loan.  We appreciate your interest in our mortgage company. Our goal is to return all phone calls within 1 hour and provide pre-qualification letters with same day service.  We offer both commercial and residential loans from lenders, investors, hard money sources, Wall Street and conduits.  We realize that TRUST is hard earned and easily lost!


With more than 600 sources for financing your home or business, we offer our clients choices in either full-doc or stated income-stated asset programs.

In order to expedite your mortgage loan application, it is imperative that we have the following items to assemble a file that will meet our underwriter’s policies and procedures:


We need  2 years financials on your business, its estimated appraised value, the current loan amount if it is a refi, or its purchase price.   We require point of contact and financial information on the owners as well as annual revenue and expenses.

 

Depending on whether or not this is a full-doc loan, a standard 4506 form maybe required. We ask for bank statements, tax filings and financials for the past 3 years if possible. Minimum of 2 years required.  For traditional financing, a credit score of 600 and above is needed if the mid-score is below 600, or turn-around time is less then 30 days, a hard money source can be offered for scores below 600 or closings that require funding in 21 days or less. 


If you are interested in a residential home mortgage or investment property, we need a 1003 application filled out, signed and dated as well as your written permission to pull a tri-merge credit report, along with a loan submission sheet in order to secure a pre-approval letter.  This all can be done in a timely manner if we have our borrower(s) cooperation and the documentation listed herein.


Thank you once again for looking Bay Portal Companies, Inc. for the low-cost loan you deserve!
 

All the best,


 
Bruce Cobbeldick, Director
Rick Newbrough, V.P.
Ken Tonegato, General Manager

 

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