Simplify the Commercial Refinancing Journey with Our Tips and Proven Strategies. Leverage Our Smart-Loan Assessment and Ensure a Seamless Application Process by Identifying Your Eligibility.
At Lincoln James Capital, we specialize in providing expert guidance to our clients in the complex world of commercial real estate financing. Our team of experienced professionals has a deep understanding of the industry and can help our clients navigate the nuances of the loan process to secure the best possible terms.
We are always on the lookout for new and innovative loan options that can help our clients achieve their financing goals. Our extensive network of lender relationships gives our clients access to a broad range of loan options that they might not be able to access on their own.
We understand that every client has unique financing needs and goals. That's why we take a personalized approach to every client relationship, taking the time to understand their specific circumstances and tailoring our services accordingly. We work closely with our clients to help them identify the best financing options for their particular situation.
At Lincoln James Capital, we believe in building long-term relationships with our clients based on trust and transparency. We are upfront about our fees and the loan options available to our clients, and we take the time to explain the risks and benefits of each option. Our clients know that they can trust us to act in their best interests at all times.
Our reputation in the industry is a testament to our commitment to providing the highest level of service and expertise. Our satisfied clients consistently give us positive feedback and reviews, and we are proud of our track record of success. We work hard to maintain our reputation as a trusted advisor to our clients.
Refinancing your commercial mortgage provides an exciting opportunity to save money on your monthly payments. But guess what, it isn’t without its fair share of challenges. Here’s why:
Lenders consider the current value of your property. A decrease since your original loan could affect borrowing capacity for refinancing.
Refinancing commercial property takes time due to extensive paperwork and other factors. Approval may require weeks or even months.
Your credit score plays a vital role in the refinancing process. Lenders assess it to determine eligibility and interest rates. If your score has dropped, approval may be impacted.
Refinancing incurs closing costs, which are standard among lenders. Costs vary but can range from hundreds to thousands of dollars.
Understanding these challenges equips you for a smoother refinancing experience.
Refinancing your commercial mortgage is a transformative opportunity to propel your business forward, and proper preparation is key to ensuring a successful experience.
We are dedicated to assisting you every step of the way by providing guidance on necessary documentation, eligibility requirements, and critical considerations to ensure a smooth journey.
Through refinancing, you can unlock substantial savings and improve cash flow. Our team of professionals with over 70+ years of combined experience will analyze your unique situation, evaluating interest rates, loan terms, and potential for savings. Together, we’ll devise strategies to minimize costs and maximize financial benefits to meet your goals.
Curious about the costs and time frame involved? Schedule an appointment with our experts for personalized insights. We’ll delve into the specifics of your situation, discussing refinancing costs and providing valuable information to make informed decisions.
Securing refinancing for commercial mortgages requires meeting specific eligibility criteria, varying among lenders and loan types. Here are key factors commonly considered for approval:
Most lenders require a minimum credit score of 620 for refinancing applications. However, some lenders may accept lower scores based on consistent loan repayment history.
Lenders assess your DTI, which measures the portion of monthly income allocated to debt payments. Typically, a DTI below 50% is preferred, but lenders may have flexibility depending on other factors.
For conventional loans, having at least 20% equity in your property is usually required. This means your property’s value should be 20% higher than your current mortgage balance.
The value of your property and income determine the borrowing capacity for refinancing. Most lenders allow borrowing up to 80% of the property’s current value.
Lenders may consider factors like income stability, employment history, and housing expenses in the refinancing approval process.
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Brigitte Grava, an accomplished scholar from the University of Tampa, holds both a Bachelor’s Degree in Economics and a Master’s of Science Degree in Entrepreneurship from her alma mater. Brigitte’s dedication to academic excellence is shown in her performance as an undergraduate student as she was invited to the Adam Smith Economic Honor Society in addition to graduating from her Master’s program at the top her class in 2022. With over 5 years of industry experience, including a specialized focus on mergers and acquisitions during her 3-year tenure at a boutique investment bank, Ms. Grava brings a wealth of financial expertise to her endeavors. Her exceptional execution of economic and financial analyses, coupled with her strategic insight, empowers her to provide invaluable recommendations for business growth and corporate development. Brigitte is skilled at navigating intricate M&A transactions, consistently delivering optimal outcomes for her clientele. Her track record speaks volumes about her ability to handle every facet of these transactions with finesse, resulting in remarkable results for her clients.
Alyssa plays a pivotal role in facilitating financial transactions among key stakeholders. She specializes in sourcing lenders and investors, structuring financing solutions, and managing key client relationships. With extensive experience in real estate and business development, she excels at identifying market opportunities and fostering strategic partnerships. Alyssa is instrumental in overseeing deal pipelines, securing funding, conducting due diligence, and ensuring seamless transaction execution. Her deep industry expertise and commitment to excellence empower clients to optimize their capital strategies while driving long-term success for the firm.
Armed with a bachelor’s degree in business administration, specializing in Personal Finance from the University of Wisconsin Stout, Andrew possesses a wealth of knowledge and expertise in the Commercial Finance industry. With a solid background in community banking spanning 3 years and an additional year as a commercial credit analyst at Bankers Healthcare Group, he has demonstrated exceptional proficiency in the financial domain. Notably, Andrew has also successfully ventured into the real estate sector, establishing three thriving businesses in recent years.
Beyond his professional pursuits, Andrew cherishes quality time with family, friends, and his two beloved dogs. He finds solace in exploring new destinations through travel and engaging in outdoor activities such as hiking, golf, pickleball, and hockey. A true sports aficionado, he ardently supports the Green Bay Packers, Milwaukee Brewers, and Chicago Blackhawks.
After receiving his Bachelor degree in 1978, Alex started his professional career with a reginal CPA firm in New Orleans as Auditor. In 1980 he moved to Los Angeles to join ABPA, a national employee benefit administration firm. He was promoted to Accounting Manager when he left the firm in 1988 when he was recruited by Dallas TX based Caltex petroleum Corporation, a JV of Chevron USA and Texaco Oil Company. Alex served as Director of Finance in various countries, including the Philippines, Greater China (China, Hong Kong and Taiwan) and Australia. Alex left Caltex in 1995 to start his own accounting firm in Burlington North Carolina. By 2006 his firm has grown to a regional presence with offices in Cary, Burlington, Greensboro, Charlotte and Rock Hill, SC. Alex sold his successful practice in December 2006 just before the latest financial meltdown. Since 2007, operating under the firm name Alliance Consulting Group, Alex has been a financial and management consultant advising clients on complicated fiscal matters and improve overall efficiency in management and operation. In 2015, Alliance Consulting added digital marketing to its service area to meet the changing landscape of business. Currently his firm manages private equity funds of Family Offices and other high net worth individuals, with focus on multi-family apartments and purpose-built Student Housing apartments near major universities throughout the country.