Allstate Mortgage Services

A Division of Allstate Financial Services

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CELEBRATING OUR TWELFTH ANNIVERSARY IN INDIANAPOLIS 1996 - 2008

LENDING IN 50 STATES

Loan closings at a First American Land Title Insurance Company in your area

Should you have any questions, EMAIL US AT  question@AllstateMortgageServices.com  OR CALL US AT (800) 430-9222

The ULTIMATE Business Loan

Why Do Seasoned Commercial Property Owners Favor Us Over Their Banks?

Apartment Loans? click here

For commercial Property Mortgage Loan Programs click here (partial list)

                              PROGRAMS OF THE MONTH:

                                        Unlimited No Questions Asked Cash Out

                        The TRUE No Doc Loan is Back

Tell Us and Ask Us

Quotation Request on an apartment / commercial Property Mortgage Loan

Pre-Qualify Checklist for an Apartment / Commercial Property Mortgage Loan

Did You Know?

SBA Business Loans

Alternative Business Loans

Dependable funding sources can be hard to find in today's lending environment. For a consistent, reliable funding source contact Allstate Mortgage Services today. We have the products, the rates, and the service to compete and win.

We pride ourselves in offering the highest level of customer service and appreciate the opportunity to earn your business. Whether you want to refinance to a lower mortgage rate, get a purchase mortgage, restructure your business's finances or buy a business, our purpose is to satisfy your needs.

Business Loan
SBA loan 

Commercial Property Mortgage Loan
1031 Exchange

Apartment     Hotel / Motel     mobile home Park     Industrial

Nursing Home     Assisted Living     Daycare Center     Church

Medical Building     Physician     Chiropractor     Veterinarian

 Restaurant     Retail Store     Office     Gas Station     Franchise

Auto Related Business     Auto Dealership     Warehouse

Bowling Alley     Hair Salon     Funeral Home     etc., etc.

NEED MONEY TO:

          Purchase or start a business? 

          Restructure your business's financial standing? 

          Make capital improvements? Do renovations? Buy new  equipment?

          Pay off bills? Pay off liens? Need working capital?

          Currently leasing? Are you on land-contract? Why not buy it for

             practically the same monthly payment if not lower? 

          You have a partner that wants to be bought out?

Business Loan? Start Here

Are You Curious What Business Loan Terms We Could Offer You?

The ULTIMATE Business Loan

Guide To Writing a Business Plan

Alternative Business Loans

DO YOU WANT TO:

          Purchase a commercial property?

          Is your mortgage note coming due?

             (i.e. refinance your 20-year loan to a 30-year loan)? 

Why Do Seasoned Commercial Property Owners Favor us Over Their Banks?

Let Us Tailor A Program To Meet Your Needs 

AT ALLSTATE MORTGAGE SERVICES,

WE LISTEN, WE UNDERSTAND, AND WE MAKE IT WORK.

Keep in mind that when it comes to getting a loan approved three things play hand in hand: Income, Credit, and LTV (Loan To Value). And also note that the whole spectrum of Commercial Mortgage Lending is divided into the following categories:

          "Limited-Doc" or "Low-Doc" or "Lite-Doc" or "Alternative-Doc"- A combination of the above two. 

          "Hard Money Loans" - when speed to close a loan is most important. Also at times this is used when the loan will not fly under the previous categories due to credit, income, or other issues.

Many times, the income on ones tax returns may show too little or even negative and you may not expect to get it approved under full doc. But it turns out to be an approved loan because our underwriters add back certain deductions that your accountant/you have made to the adjusted gross income (8 items that show up as deductions and reduce your taxes will be added back to the income for loan qualifying and approval purposes only, depreciation and amortization to name a few). So, between you and AMS loan rep submit all the tax returns; he/she will examine them and determine which category is the way to submit to underwriting to get the most favorable terms for you. It is commonly a good approach to initially treat the loan as a Full-Doc and provide full financials including tax returns because terms are more attractive on a Full-Doc loan. Should it not fly under the Full-Doc, we could remove the tax returns and resubmit under another category.

Also tell any potential issues on the file and any difficulties and reasons you may have had previously in getting the loan approved. The more we know about your needs and circumstances the better we can structure your loan.