MBFS provides loan programs for income-producing commercial and residential investment real estate.

• Origination fee: 1.00% of the loan amount (standard).

• Third-party fees (borrower-paid): appraisal, environmental/engineering (as required), title insurance, recording, legal/documentation, and all other customary closing costs.

• Collateral: First lien position, title-insured mortgage on the subject property.
• Recourse: All loans are full recourse to the borrower and/or guarantor(s), as applicable.

• Membership eligibility: Borrowing entity and/or guarantor must qualify for membership at the originating credit union (criteria often geography-based on the subject property and/or individual guarantor).

• Coverage: Footprint includes PA, NJ, DE, VA, MD/DC, FL, AL, and GA; select partner institutions also offer a national membership footprint.

• Property cash flow: In-place and/or stabilized cash flow is primary.

• Sponsor strength: Guarantor credit profile and global cash flow support the request.

• Property fundamentals: Type, condition, occupancy, and operating history.

• Leases & market: Rent roll/lease terms (if applicable) and local market fundamentals.

• Leverage & exit: Requested leverage, use of proceeds, and repayment/refinance plan at maturity.

• Valuation & reports: Appraised value and any required third-party reports (e.g., environmental), as applicable.

This material is for discussion purposes only and is not a commitment to lend. Terms, conditions, and availability are subject to change without notice and may vary based on underwriting, property, and market conditions.