Commercial Real Estate loan restructurings
Clearwater Capital Advisors specializes in helping property owners adjust their financial obligations with current creditors. In the dynamic and complex field of capital markets, maneuvering through the intricacies of loan restructuring can be demanding. Despite being seasoned in the real estate sector, many property owners may lack the resources to handle loan restructuring processes efficiently.
Our services include revising existing mortgage agreements to offer borrowers relief, especially during financial distress or fluctuating property market values. We also assist in releasing properties from loan constraints once borrowers fulfill their payment duties or meet specific lender criteria.
We offer temporary solutions to borrowers for managing escrow obligations, particularly under financial strain or during market upheavals. These solutions may involve reducing, postponing, or forgoing certain escrow payments to aid property owners in better financial management under difficult circumstances.
We provide extensions to the original duration of loans, giving borrowers more time for repayment. This is especially beneficial in scenarios where refinancing or selling the property before the original loan maturity is challenging, helping to avert defaults and maintain positive lender-borrower relationships.
Our services include alterations to the conditions under which a loan can be paid off early. Adjustments may include changes in prepayment penalties, lockout periods, or recalculating yield maintenance, thereby offering borrowers more flexibility or lower costs for early loan repayment.
We negotiate reduced interest rates on existing loans, a measure often taken to support borrowers in financial hardship or to stay competitive in a fluctuating interest rate scenario.
Our offerings include modifications or easing of the initial guarantees or covenants in the loan agreement. This could involve lessening personal or corporate guarantees, or relaxing financial or operational covenants, allowing borrowers greater leeway during tough times."
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Legal Notice: To the People of the State of New York: In compliance with New York Senate Bill #S7729, requiring real estate brokers to set in place standardized operating procedures, Clearwater Capital Management, LLC (“Clearwater”) states the following: Prior to showing a homebuyer a property or providing services: (1) Clearwater does not require identification from a prospective homebuyer, (2) Clearwater does not require a homebuyer to sign an exclusive brokerage agreement requiring the homebuyer to work only with Clearwater on all properties; and (3) Clearwater does not require a pre-approval for a mortgage loan in order to show properties to a homebuyer. However, based upon the requirements of the seller, the building in which the properties are located, or others, some or all of the foregoing items may be required.
