TARGET LOANS:  The firm specializes in loan amounts in the $500,000 to $5,000,000 range, typically for clients with good credit, low debt to income ratios, ample post closing liquidity and low loan to value ratios.  Repeat clients tend to be in the financial services industry, especially fixed income professionals.

NO COPYING, NO FORMS TO FILL OUT:  Clients of the firm make copies only if they so choose; most give us original documentation which we return promptly by courier.  While we are scrupulous in informing our clients of salient features affecting their interest and assiduous in our compliance with all relevant regulations, clients typically do not fill out any forms, as we have taken the information given to us and incorporated such into application and disclosure material the client executes. 

OBLIGATION BEGINS AT CLOSING:  Once the borrower signs a Note at closing, they are obligated to repay principal according to the terms of the Note.  Until the closing, the borrower has no obligation whatsoever to Arader & Associates.

DOCUMENTS GENERATED:  Every mortgage broker is required to produce standard documentation and disclosures conforming to Federal, State and local licensing and regulatory standards.  In addition to these documents, we often prepare a detailed Qualification Spreadsheet summarizing all aspects of the transaction for viewing on a single screen.  Clients find this spreadsheet helpful when contemplating the purchase of one home in conjunction with the sale of another, particularly when bridge financing scenarios warrant exploration.  Amortization schedules, comparative rate analyses, illustration of blended rate of multiple mortgages in comparison to refinancing alternatives, and breakeven analyses all clarify optimal liability management posture.