ZIPFEL CAPITAL

Aligned! Great info...

Thank you to Mortgage Professional America and Chris Davis for allowing me to speak towards Non-QM mortgage and commercial lending trends as we march towards 2025. If you're self employed, or an independent contractor, and want to understand how to qualify for a mortgage loan this article is for you. ZIPFEL CAPITAL is helping our clients "Borrow Smarter" one day at a time. Our team is the trusted Greater Cincinnati leader in tailoring lending solutions for business owners, CRE investors, and self employed individuals that align with their short and long-term financial goals. Randy Church Michael Zipfel Wilson McClure Blake Zaring Connor Jay #mortgage #commercialmortgage #NonQM #realestate #mortgagebroker #commerciallender #realtor #selfemployed

Commercial > Residential But we love both the same!

Fiscal policy the past 2-3 years have been incredibly challenging for perspective homebuyers, businesses, investors, and lenders. Starting in early 2022, the federal reserve hiked interest rates to levels many of us haven’t seen in our professional lifetimes to curb runaway price inflation and loosen an unusually tight labor market. Fortunately, today marks a major shift as the federal reserve announced they have reduced the federal funds rate by 50 basis points. ? ? WHAT DOES THIS MEAN? --EXISTING HOMEOWNERS- If you purchased a home within the past 2 years you should be inquiring about refinancing opportunities.?Mortgage rate levels are as low as we’ve seen in a couple of years. --REVOLVING DEBT- If you have a home equity line of credit, your interest rate just dropped by 50 basis points. That is a significant reduction to interest on outstanding debt on a line of credit. --BUSINESS OWNERS- The rate cut represents light at the end of the tunnel for business owners. The reduction makes it less expensive for businesses to take out loans, invest in growth, and manage their cash flow more effectively. In a competitive environment, even 50 basis points in rate cuts can provide an essential advantage. --HOUSING INVENTORY.?A fundamental issue in the local real estate market is the shortage of homes for sale.?As rates come down, buyers and sellers will re-emerge into the market, which is step #1 towards normalized inventory levels in the local market. --COMMERCIAL LOANS- Morgan Stanley has estimated there is over $1.5 trillion in commercial real estate loans set to mature before the end of 2025. Rate cuts will allow commercial borrowers to refinance at lower interest rate levels that improve cash flow and debt service coverage. Suffice to say, the Fed announcement is a big deal with wide ranging positive impacts on consumers and businesses. ? It’s a brave new world, and the market we’re in is incredibly volatile. It is CRITICAL to work with a lender that can counter that with the proper strategies and a wide range of options.?Our goal is to be the experts in our industry, and we do that by being informed, aggressively priced, and by offering solutions and options you simply won’t find elsewhere. #mortgage #mortgagelending #mortgagebroker # realestate #homeloans #commerciallending #ratecut #housing #businessowner #investor

Busy summer at ZIPFEL CAPITAL originating commercial loans! Below are a few highlights. We have access to the very best terms and products the market has to offer. Randy Church has 25 years of commercial lending experience including running commercial lending teams for banks. He is an incredible resource for our company and our clients. As an owner of several commercial and residential investment properties we bring the unique perspective to our clients of both a lender and a business owner/investor. #mortgage #mortgagelending #commercialmortgage #mortgagebroker #SBA #commercialrealestate #commerciallending #realestate #realestatefinance