Maximilian Laitner’s Post

In a high-interest rate environment, refinancing maturing comparatively low-interest rate debt can become less attractive (e.g., a cash-in refinance) or impossible (e.g., no refinance lender appetite whatsoever). This can compel current owners to consider a sale. However, since most potential buyers are leveraged, the same problem of increased cost of capital often arises – albeit, in this case, indirectly. After all, all other things remaining equal, new purchases become less attractive as borrowing costs increase.  The end result is – “something has to give.” Generally, the onus is on the current owner to get closer so some sort of equilibrium that will result in a sale – as buyers are rarely “forced to buy” (1031 buyers may be an exception and are a nuanced discussion). In contrast, the one already “in a deal” often has fewer options and may need to be more accommodating. *As always, what actually occurs in any one case will depend on the specific facts at play.

One of our lenders have a commercial promotional rate on offer: Loan Amount: $2,000,000 - $5,000,000 Purpose: Purchase, Refinance & Cash Out Repayment Interest only or P&I Rate: 6.14%p.a. (a discount of 40 points off current carded variable rates of 6.54%p.a up.) Lender's and assessment criteria applies.

Every loan closing is an opportunity to prepare your clients for their next transaction. Whether it's a purchase or refinance, discuss future needs and keep the door open for ongoing support. Be their trusted advisor for every step ahead! #AttainableHousing #AffordableHousing #RealEstateTrends #Homeownership #HousingMarket #Investing #ADUs #HousingShortage #SnohomishCounty #RealEstateInvesting #MortgageIndustry #RealEstateInsights #HousingDevelopment #PropertyInvestment #MarketShare

3 Common Reasons Our Clients Refinance (Hint: It’s Not Just About Lower Rates!) 1 - New Structure & Facilities Sometimes, clients need an offset or revolving credit and realize they have to do the same paperwork anyway—so why not negotiate better rates or cash-back deals at the same time? 2 - Interest-Only Extensions Property investors often seek to extend interest-only terms, but banks don't always offer this. Refinancing can help them maintain that flexibility. 3 - Increased Borrowing Power Clients looking to invest in property often refinance to tap into their equity. Some banks might offer better valuations or more borrowing capacity—making it a smart move for growth. Did any of them come as a surprise?

Exciting news! Another successful loan story - our client closed on a property in December and is now refinancing for a longer term. Looking to refinance? Let us assist you! #RealEstateInvesting #DSCR #Detroit #PrivateLending #RealEstate #Refinance #Brrrr #Minolending 🏡💰

16 🚪's for under $700k. This property definitely cashflows day-1 and has some value add opportunities that will increase the value when it's time to sell or refinance in the future 👍 #realestate #realestateinvesting #privatecapital #realestateinvestment #cashflow

MBS Highway's refinance tools and reports let you easily compare financing options against your clients' current loan so they can see the benefits of refinancing for themselves. Join us Monday, July 1 at 12:00 p.m. ET for a live webinar to learn how to utilize these tools to help your customers make the best refinancing decisions. Link to register: https://lnkd.in/ekg5bruC #mbshighway #loanofficerlife #mortgagepro #mortgagebroker

Is NOW the Time to Refi? | Is it Right for You? There is a lot of buzz going on about refinancing with the recent dip in rates. And I get the question, is now the time to refinance? Should I refinance now? Will rates drop again? Will they stay down, or get lower? What if I miss my chance? The answer is the same for all of these questions… if it makes sense for you and your financial situation in this moment do it. Don’t wait for a better rate, don’t force it just because the rates dipped… do it because it works for you and your situation! If you do that, you can’t go wrong! Give me a call if I can help! 239-437-4278 #refinance #rates #finance #ratedrop #interestrates #cashout #debtconsolidation #financetips Apply Today: https://lnkd.in/e5-wf_E

Think a refinance means starting over or extending your term? Flex-term refinancing can help you lower your rate (potentially saving you hundreds) without resetting your payoff date. Let’s see what we can do for you. Call us today! (941) 584-8724 www.bayportlending.com #realestate #bayportlending #mortgagebroker #loanofficer #refinance #refinancing #flexterm #flextermrefinancing

MBS Highway's refinance tools and reports let you easily compare financing options against your clients' current loan so they can see the benefits of refinancing for themselves. Join us Wednesday, September 4 at 11:30 a.m. ET for a live webinar to learn how to utilize these tools to help your customers make the best refinancing decisions. Link to register: https://lnkd.in/ekg5bruC #mbshighway #loanofficerlife #mortgagepro #mortgagebroker