MacGregor & Knight

I want to wish you a very happy New Year and to let you know that no matter where the rates are in 2022, we will offer the very best conventional financing programs for all your commercial RE needs, (i.e. Senior Debt, Preferred Equity, or Mezz debt). And if you are buying or refinancing a commercial property and need to close fast, there are great options available, with some Bridge loan programs that can close within 2 weeks 3 weeks! These programs even offer Capex money. ...Please give us a call to see what rates and terms we can get for you. Here is a snap shot of interest rates as of 12/28/21 and available LTVs: Multi family 3.25% - 3.75% (2.5% with a HUD program) 75% - 80% LTV Industrial 3.3% - 4.10% 70% - 75% LTV Retail / Office 3.65% - 4.3% 65% - 70% LTV (75% LTV is possible with strong occupancy, strong tenants, densely populated areas and strong sponsors) Please give me a call to discuss your best options! (833)APT-LEND-(833)278-5363 X3

I want to wish you a very happy New Year and to let you know that no matter where the rates are in 2022, we will offer the very best conventional financing programs for all your commercial RE needs, (i.e. Senior Debt, Preferred Equity, or Mezz debt). And if you are buying or refinancing a commercial property and need to close fast, there are great options available, with some Bridge loan programs that can close within 2 weeks 3 weeks! These programs even offer Capex money. ...Please give us a call to see what rates and terms we can get for you. Here is a snap shot of interest rates as of 12/28/21 and available LTVs: Multi family 3.25% - 3.75% (2.5% with a HUD program) 75% - 80% LTV Industrial 3.3% - 4.10% 70% - 75% LTV Retail / Office 3.65% - 4.3% 65% - 70% LTV (75% LTV is possible with strong occupancy, strong tenants, densely populated areas and strong sponsors) Please give me a call to discuss your best options! (833)APT-LEND-(833)278-5363 X3

"Strategies without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat." -Sun Tzu Whether you’re about to purchase or refinance a commercial property reach out to us for the best program and rate. [email protected] (833)278-5363 X3

There's no guarantee that the mortgage bond market will be as strong in several months. As such, it's okay to hope for progressively lower rates but not safe to bank on them. So if you were thinking about refinancing or buying or refinancingcommercial real estate, you probably shouldn’t wait. Take advantage of today’s rates now. Let us help you obtain the best financing option for your property right now, whether it’s a conventional permanent loan, SBL, SBA or a fast closing bridge loan. [email protected] (833)APT-LEND (833)278-5363 X3

Both Mr. MacGregor and Mr. Knight decided to send the staff home to celebrate the Christmas with their Loved Ones. But we all know that Richard Wagner will be working late.

I get a lot of clients who ask me where interest rates are going short term, so I thought I’d address this. The largest influencer on mortgage rates is the Fed's ongoing purchases of mortgage-backed bonds. This is a key reason mortgage rates have been so low and stable. In fact, the Fed's bond buying would allow for mortgage rates to be even lower than they already are, but mortgage lenders have had to tap the brakes in order to cope with volume. In other words, lenders hav...en't needed to drop rates any faster because they're already as busy as they can possibly be. There's also no guarantee that the mortgage bond market will be as strong in several months. As such, it's okay to hope for progressively lower rates but not safe to bank on them. So if you were thinking about refinancing or buying commercial real estate, you probably shouldn’t wait. Take advantage of today’s rates now. Let us help you obtain the best financing option for your property right now, whether it’s a conventional permanent loan or a fast closing bridge loan. Here is a snap shot of interest rates as of 9/22/20 and available LTVs: Multi family 3.3% - 3.7% (2.5% with a HUD program) 75% - 80% LTV Industrial 3.4% - 4% 70% - 75% LTV Retail / Office 3.75% - 4.2% 65% - 70% LTV (75% LTV is possible with strong occupancy, strong tenants, densely populated areas and strong sponsors)

I get a lot of clients who ask me where interest rates are going short term, so I thought I’d address this. The largest influencer on mortgage rates is the Fed's ongoing purchases of mortgage-backed bonds. This is a key reason mortgage rates have been so low and stable. In fact, the Fed's bond buying would allow for mortgage rates to be even lower than they already are, but mortgage lenders have had to tap the brakes in order to cope with volume. In other words, lenders hav...en't needed to drop rates any faster because they're already as busy as they can possibly be. There's also no guarantee that the mortgage bond market will be as strong in several months. As such, it's okay to hope for progressively lower rates but not safe to bank on them. So if you were thinking about refinancing or buying commercial real estate, you probably shouldn’t wait. Take advantage of today’s rates now. Let us help you obtain the best financing option for your property right now, whether it’s a conventional permanent loan or a fast closing bridge loan. Here is a snap shot of interest rates as of 9/22/20 and available LTVs: Multi family 3.3% - 3.7% (2.5% with a HUD program) 75% - 80% LTV Industrial 3.4% - 4% 70% - 75% LTV Retail / Office 3.75% - 4.2% 65% - 70% LTV (75% LTV is possible with strong occupancy, strong tenants, densely populated areas and strong sponsors)

Attention New Jersey Apartment Owners!! Security Deposit Update: On Friday, April 24th Governor Murphy signed Executive Order -128 allowing renters to utilize their security deposits for rental payments. For a copy of this order click here. This order went into effect immediately and will last for 60 days after the Public Health Emergency ends.... Residential tenants must make a written request to apply their security deposit to the rent. Replenishment of the deposit would take place 6 months after the end of the Public Health Emergency or upon lease renewal or extension. For month to month residential tenants, the interpretation is they must replenish their security in month 6 after the end of the emergency. Violations of this order can be imposed under N.J.S.A. App. A:9-49 and -50. The information is not to be construed as legal advice. You should consult qualified counsel for further guidance on this matter. #apartmentbuilding #propertymanagement #rent #tenants #landlord #commercialproperties

Hello Friends, These are very troubling times in this world of ours. I am a believer in the terrible trying of times the best of each of us comes out. MacGregor & Knight has many connections in the lending community that can assist most individuals whatever their needs are. If in fact you are in need of a SBA Paycheck Protection Plan loan please reach out we assist with our liaisons that are lending these loans in all 50 states. Please do not hesitate to reach out with any qu...estions or requests. Thank you and God Bless you and your loved ones, Rich [email protected] Toll Free (833)278-5363 X3

There was an unexpected surge of bond-buying demand over the last week which brought the average mortgage lender back in line with their lowest rate offerings since early October, (higher demand for bonds = lower rates, all other things being equal) When investor demand for Treasuries increases, rates fall. Ten year treasuries are currently 1.77%.... The basic rates available are (by property type): Multi family: 3.4% - 4.1% Ten years fixed 30 years amortization 75% - 80% LTV Non Recourse Office, Industrial, Retail: 3.9% - 4.5% 5 - 10 years fixed 20 30 years amortization 70% - 75% LTV Non Recourse and full recourse programs We also can offer you a wide array of bridge loans that can close within 2 - 3 weeks! Let me see what rates and terms we can get for you.

After cutting rates three quarters in a row, the Federal Reserve is leaving the rate where it is this quarter due to recent positive economic news. The Fed has left the door open for future cuts should the economy show signs of cooling. Ten year treasuries are currently 1.82%.... The basic rates available are (by property type): Multi family: 3.4% - 4.3% Ten years fixed 30 years amortization 75% - 80% LTV Non Recourse Office, Industrial, Retail: 3.95% - 4.6% 5 - 10 years fixed 20 30 years amortization 70% - 75% LTV Non Recourse and full recourse programs We also can offer you a wide array of bridge loans that can close within 2 - 3 weeks!

Hello Friends, These are very troubling times in this world of ours. I am a believer in the terrible trying of times the best of each of us comes out. MacGregor & Knight has many connections in the lending community that can assist most individuals whatever their needs are. If in fact you are in need of a SBA Paycheck Protection Plan loan please reach out we assist with our liaisons that are lending these loans in all 50 states. Please do not hesitate to reach out with any qu...estions or requests. Thank you and God Bless you and your loved ones, Rich [email protected] Toll Free (833)278-5363 X3

There was an unexpected surge of bond-buying demand over the last week which brought the average mortgage lender back in line with their lowest rate offerings since early October, (higher demand for bonds = lower rates, all other things being equal) When investor demand for Treasuries increases, rates fall. Ten year treasuries are currently 1.77%.... The basic rates available are (by property type): Multi family: 3.4% - 4.1% Ten years fixed 30 years amortization 75% - 80% LTV Non Recourse Office, Industrial, Retail: 3.9% - 4.5% 5 - 10 years fixed 20 30 years amortization 70% - 75% LTV Non Recourse and full recourse programs We also can offer you a wide array of bridge loans that can close within 2 - 3 weeks! Let me see what rates and terms we can get for you.

After cutting rates three quarters in a row, the Federal Reserve is leaving the rate where it is this quarter due to recent positive economic news. The Fed has left the door open for future cuts should the economy show signs of cooling. Ten year treasuries are currently 1.82%.... The basic rates available are (by property type): Multi family: 3.4% - 4.3% Ten years fixed 30 years amortization 75% - 80% LTV Non Recourse Office, Industrial, Retail: 3.95% - 4.6% 5 - 10 years fixed 20 30 years amortization 70% - 75% LTV Non Recourse and full recourse programs We also can offer you a wide array of bridge loans that can close within 2 - 3 weeks!

MultifamilyLoan.Org (833)APTLEND /(833)278-5363

32 years ago today Tony Gerbino of Manchester Financial Handed me my first set of rate sheets and said Good Luck the stock market crash today. It was an interesting day to say the least. Looking back on it I’ve been fortunate to make friends which evolved from assisting thoseIndividuals, families and companies to procure mortgages the funding their dreams. Thank you, Richard Wagner Founder and Managing Principal of MacGregor & Knight

Happy Memorial Day Weekend

MultifamilyLoan.Org (833)APTLEND /(833)278-5363

Happy Memorial Day Weekend