THE CLIENT

For more than 15 years, a pair of seasoned property investors have been buying, managing, and improving commercial real estate. Their portfolio includes a variety of propeties, and they’ve built a reputation for keeping their buildings vibrant and well-maintained. Years ago, when they needed a commercial mortgage, they turned to Apex Commercial Capital. The experience was so simple and supportive that when a new financing need arose, they came back to Apex without hesitation.

THE CLIENT’S CHALLENGE

This time, the investors needed to refinance a mixed-use property in New York featuring two residential units and a ground-floor commercial space leased to a salon. They were carrying a short-term loan that no longer fit their long-term plans. What they really wanted was to lock in a fixed rate and lower their monthly payment, creating a more predictable financial picture and freeing up cash flow for other projects.

THE APEX COMMERCIAL CAPITAL SOLUTION

$300,000 • Refinance of mixed-use property • Fixed-rate and lower monthly payment

Because Apex specializes in small-balance commercial mortgages, our team understood their goals immediately. We listened to their situation, reviewed the property’s details, and structured a $300,000 rate-and-term refinance designed to deliver the stability they were seeking. Our streamlined process meant there was no unnecessary back-and-forth. Thanks to our experienced underwriting and in-house servicing, we were able to move from commitment to closing in about four weeks.

FINAL RESULTS

The investors successfully transitioned out of their short-term loan and into a long-term, fixed-rate mortgage with a lower monthly payment. That stability allows them to plan further improvements to their portfolio and explore new investment opportunities with confidence. Just as importantly, they were reminded why they chose Apex in the first place: a lender who combines common-sense underwriting with clear communication and personal service.

At Apex Commercial Capital, we’re proud to support repeat customers like these who are building stronger communities and businesses through smart real estate investment. Whether you’re refinancing a mixed-use property or looking for your first small-balance commercial mortgage, our team is ready to deliver fast, flexible financing to help you achieve your goals.

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