the power of first position commercial mortgages

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The Power of First Position Commercial Mortgages

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Why Partner with Secure Money Services?• 55 years of experience in

offeringfinancial opportunities.

• Re p u t a tion for reliabilityand serv ice is s e c o n d to none.wi th a ste a d y• P ro videcl ien ts s t rea m

ofsuperior financial

products .

• Ou r affil iates h ave co m p l e t e d m o re than $1.5 bill ion in financial transactions.

• Our affil iate s h ave never defaulted!

• O u r c l ients u n d ersta n d that in today ’s uncerta in environment , w e offer safer alternatives to he lp t h e m reach their financial goals .

*In addition to its pred ecessor a n d affiliate entities, a n d pr incipals

First Position Commercial Mortgages

Picture a un iqu e lend ing opportunity w it h h igher y ie lds that is s imple, safer a n d secured. That is exact ly w h a t First Pos ition C o m m e rc i a l M o r t ga ge s (F PC M ) ca n achieve.

A First Pos ition C o m m e rc i a l M o r t ga ge is a private th ird-party loan to o u r a ffi l i ate that is s ecure d b y c o m m e rc i a l real esta te. Pr ivate lenders se lect a co m m e rc i a l m o r t g a g e in their inventory to ser ve as collateral for their private loan. They are recorde d o n title a n d acquire a first l ien pos ition o n the m o r t ga ge , a n d a re p a i d b y t h e a ffi l i at e i m m e d i at e m o nt h ly interest p ay m e nt s at a fixed annual yield, wi t h a return of pr incipal at the e n d of the o n e year term.

First Position Commercial Mortgage Opportunity

B e c a u s e of our Affiliate’s 35 years of exper ien ce wit h co m m e rc i a l loans, first m o r t g a g e s a n d real estate acquis itions, our affiliate mainta ins a h igh ly su cc ess fu l len d in g m o d e l built o n years of h and l in g large-sca le co m m e rc i a l m o r t ga ge s .

Commercial Mortgages

• Re c o rd e d First L ien Position.

• P rove n Abil i ty to F ind

A ttractive F inancia l Opportunities.

• Pe r fo r m a n ce a n d Stabil ity

First Position Co m m e rc ia l

• Exclus ive ly C o m m e rc i a l Loans.

• Short Te r m of 1 Year.

• L o w L o a n to Value (LTV) Ratios.

• F ixed Annual Yields.

• I m m e d i at e Monthly Pay m e nt s .

• S e c u re d b y C o m m e rc i a l Re a l Estate.


• H av i n g a first position m e a n s that yo u h ave th e first l ien position o n the property that sec u res th e m o r t ga g e , recorded o n title.

• T h e first l ien h as priority over any other l iens or c la ims o n a property in th e event of default .

• O u r a ffi l i ate p ays off any ex isting l ienholders w h e n it enters into a t ransaction wi t h a borrower, so there are n o additional l iens o n th e property.

• I f t h e b o rrower d efa u l t s , the affil iates a r e c o n t ra c t u a l l y o b l i g a t e d t o m a ke th e p ay m e n t s to th e lender regardless of th e status of th e under ly ing loan or borrower ’s abil ity to pay.

What Does It Mean To Be First Position In A Commercial Mortgage?

• O u r a ffi l i ate co m p a ny co n d u c t s r igorous d u e d i l igen ce w h e n m a k i n g len d in g dec is ions, ensur in g that the property is free of l iens.

• A co m p l et e title search is p e r for m ed to m a ke sure there is a insured first l ien position.

• A co m p re h e n s i ve appraisal is c o n d u c t e d b y l icensed, certified and bonded appraisers, a long with a Broker Price Opinion (BPO), to confirm the market value.

• If requested, co p i es of the Title Po l icy a n d /o r Appraisal wi l l be provided.

Our Due Dil igence

• Earn a se c u re d y ield as h i g h as 6%.

• Lender ’s f u n d s are protected b y hard collateral that h as s ignificant value.

• Ha rd asset col lateral protects your funds.

• Short a n d flexible loan terms.

Benefitsof First Position Commercial Mortgages

We are so confident in th ese notes that our affiliate partners wi th lenders b y len d in g our o w n f u n d s a n d h old in g a s e c o n d l ien position b eh in d their first l ien position. The affiliate contractual ly ob l igates itself b y Promissor y N o te s a n d L o a n A g r e e m e n t s to p ay the m o nt h l y interest p ay m e n t s a n d return the pr incipal at the e n d of th e term.

Best Benefit Overall

Three Layers of Collateral - With loan -to-va lue ratios of 6 0 % or less, th e property ’s equi ty is a lender ’s collateral:

1. Promissory Note: This d o c u m e n t is our affil iate lender’s contractual p romise to repay its lender a c co rd i n g to the a g re e d ter ms a n d conditions set fo r t h i n b o t h t h e Promissor y N o t e a n d L o a n A g re e m e nt . Th e Promissor y N o te forms th e bas is of a lender ’s r ight to p ay m e n t f rom the affiliate a c co rd i n g to its terms.

2. Loan Agreement : Th e L o a n A g r e e m e n t creates a n d attac hes a securi ty interest in the lender-se lected collateral in favor of that lender.

3. A s s i g n m e nt and Collateral Ass ignm ent : Th e se d o c u m e n t s are a p l e d g e d co nve ya n c e b y t h e a ffi l i a t e of all of its r ights, title, a n d interest as holder a n d ow n e r of the se lec ted co m m e rc i a l note a n d m o r t g a g e loan instruments a n d p roceed s .

Mitigating The Risk For Clients

General ly th ese properties are co mm erc i a l real estate , inc lud ing mu lti- unit ap a rtment bui ld ings, m i xe d - u s e d eve lop ment s , or any other k ind of co m m e rc i a l project, as wel l as s in g le- fami ly h o m e s he ld as investment properties, w h i c h are o w n e d b y a corporation or l imited liability c o m p a n y a n d not ow n e r- o c c u p i e d .

Types Of Properties

Let ’s Take A Lo o k AtThe Actual Inventory

Water Bottl ing Plant - K iamesha, N e w York

A p p ra ised Value: $ 2 , 0 0 0 , 0 0 0 . 0 0

First L ien Position: $ 8 0 0 , 0 0 0 . 0 0

S e c o n d L ien Position*:retained by our affiliate

$ 1 0 0, 0 0 0 .0 0

M i n i m u m Pu rchase: $ 5 0 , 0 0 0 . 0 0

Term: 12 m o n t h s

L o a n to Value Ratio (LTV): 40%

L en d er Pr ice: $ 5 0 , 0 0 0 . 0 0

Interest Rate: 6%

Month ly Interest: $250.00

*Our affiliate holds the second lien position on all properties.

Property Examples

Retai lBui lding(BowlingAl ley)–UnionCity,GA

A pp ra ised Value: $2,210,000.00

First L ien Position: $ 7 5 0 , 0 0 0 . 0 0

S e c o n d L ien Position*:retained by our affiliate

$ 1 0 0 , 0 0 0 .0 0




L en d e r Pr ice: $ 7 5 , 0 0 0 . 0 0

Interest Rate: 6%


*The affiliate holds the second lien position on all properties.

Property Examples

S ing le Family – Beverly Hills, Cal ifornia

A p p ra ised Value: $3,100,000.00

First L ien Position: $1,910,000.00

S e c o n d L ien Position*:retained by the Affiliate

$190,0 00 .00




L en d er Pr ice: $ 1 0 0 , 0 0 0 .0 0

Interest Rate: 6%


*The affiliate company holds the second lien position on all properties.

Property Examples

L a n d Lot – Kihei, Hawaii

A p p ra ised Value: $14 ,00 0 ,000 .00

First L ien Position: $ 3 , 4 0 0 , 0 0 0 . 0 0

S e c o n d L ien Position*:retained by the affiliate

$ 4 0 0 , 0 0 0 . 0 0




L en d er Pr ice: $ 2 0 0 , 0 0 0 . 0 0

Interest Rate: 6%


*The affiliate company holds the second lien position on all properties.

Property Examples

• S t ro n g LTV’s ensu re regardless of the real estate ma r ket yo u are still protected

• Short Te r m duration

• First Position L ien

Positioning Is Most Important

How It Works

What Type Of Funds Ca n I Use For Lending?L en d ers ca n u s e qual ified or non-qual ified funds, an IR A , Trust, L L C , Pens ion, 401k or lend in their o w n n a m e .

Does the Affil iate Ch a rge Any Fees?There are n o transaction fees or co m m i s s i o n for lenders to pay, E V E R . 100% of their d ep os i t g o e s to w o r k for t h e m IMMEDIATELY!

• Exc lus ive ly C o m m e rc i a l Loans.

• Short Te r m of 1 Year.

• L o w Loa n -to-Va lu e (LTV) ratios.

• F i xed A nn ua l Yie lds of 5%.

• I m m e d i ate Month ly Pay me nt s .

• S e c u r e d b y C o m m e rc i a l Rea l Estate.

• Re c o rd e d First L ien Position.

• T h e A ffi l i ate is Your Partner.

Final Thoughts (Recap)• The Affil iate company* h as

35 Years of Un su r p a sse d E x p e r i e n c e & Reliabil ity.

• More than $1.5 Bil l ion in F inancia l Transactions C o m p l ete d .

• T h e A ffi l i ate H a s N eve r Defaulted!

• Proven Abi l i ty to F ind Attractive F inancia l Opportunities.


How Can I Get Started?If you’d l ike to start purcha s ing o n e of our avai lable First Pos ition C o m m e rc i a l Mortga ges :

• Re q u e s t ass istance f rom Secure Money Ser v ices at 888-565-9556 .

• Or g o to www.securemoneyserv ices .com

the power of first position commercial mortgages

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