Welcome to Emigrant Funding Corporation (EFC)

Emigrant Funding Corporation (EFC) is a direct portfolio lender specializing in first mortgage financing for most types of owner-occupied and investor-owned commercial real estate. Additionally, EFC through Emigrant Bank is a participating Small Business Administration (SBA) Lender. EFC offers SBA 7(a) Loans and 504 Program. As a subsidiary of Emigrant Bank, a 167-year-old New York savings institution, EFC is able to draw upon the vast resources of its parent to make sure borrowers get the funds they need in a timely fashion.

Small Balance Commercial / Mixed Use

EFC's commercial portfolio guidelines include Purchase, Rate/Term Refinancing and Cash-Out Transactions, Full Documentation Loan Programs and Amortization Periods up to 30 Years. EFC's full suite of programs and products provide financing options for traditional borrowers, as well as foreign nationals, resident aliens and borrowers with low or no credit scores.

Examples of Commercial Real Estate Property Types Include:

• Multi-Family (Rentals or Underlying Co-ops)
• Mixed-Use (Retail / Office / Residential)
• Retail Strips
• Owner-Occupied Income Properties (Residential or Commercial)
• Commercial Co-op or Condo Units
• Condo Act Financing
• Office Buildings

Lending Areas: Click here to view a list of state licensing agencies

*EFC's Small Business Administration (SBA) lending area

EFC maintains offices in New York (Manhattan, Long Island and Westchester), Massachusetts and Florida. In addition, EFC has Commercial Mortgage Specialists in the field in Brooklyn, Queens, and New Jersey. Our Commercial Mortgage Specialist along with our in-house team of underwriters, appraisers and closers, facilitate prompt decision making and processing of all loan applications.

To obtain a quote complete the Pre-Qualification Worksheet and fax to the Mortgage Specialist in your region or email to campbellr@emigrantmortgage.com. To learn more about EFC Small Balance Commercial / Mixed Use programs and guidelines, contact the Mortgage Specialist in the region that is most convenient for you:

For e-mail inquires contact Richard Campbell, EFC Production Manager at campbellr@emigrantmortgage.com.

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