Real Estate Solutions

Expansive Lending Options for Multiple Property Types

Our business is built on decades of success and a strong foundation with some of the most experienced and proven experts in the country. Our team is committed to making sure your financing needs are met with the best terms in the industry with the certainty of execution that is paramount to your business needs. We are dedicated to providing you and our nation’s communities with the most effective financing solutions available in the market to make the greatest impact for all of our stakeholders.

Property Types

X-Caliber is able to offer a combination of effective, innovative and highly competitive capital options for your diverse financing needs and property types.

Multifamily

Seniors Housing & Healthcare

Rural Businesses

Energy Efficiency

Other

Lending Options

Many of our product offerings are designed to provide you with solutions at various project stages. Whether you are looking to add value, lower your cost of capital, make an acquisition or refinance your current mortgage, X-Caliber and its affiliates provide one of the most diverse lending options in the country, with personalized service that supports life-long financial lending partnerships.

BRIDGE

FHA

USDA

C-PACE

Investing

Through X-Caliber Investment Management, our specialist investment firm, we are able to provide opportunities for what we believe are impact investments that make a positive difference in our nation’s communities. Our investment management firm is focused on commercial real estate loans, commercial real estate securities, and direct property investments, where we have particular expertise through our extensive experience and infrastructure for multifamily, seniors housing, USDA, and C-PACE financing.

Servicing

Once your loan closes with one of X-Caliber’s companies, it transitions to our in-house servicing department, where we provide our clients with first-rate customer service with trusted, expert advisors. We consider our clients as partners and pride ourselves on repeat business. As a result, we are focused on developing strong relationships to support our clients’ needs and are there to address any and all servicing-related issues or questions.

Mortgage Calculator

Mortgage Loan Calculator

Price of Real Estate?:

Down Payment Percent?:

Amount of Loan?:

Enter a "0" (zero) for one unknown value above.

Number of Payments? (#):

Annual Interest Rate?:

Points?:

Annual Property Taxes?:

Annual Insurance?:

Private Mortgage Ins. (PMI)?:

Payment Method?:

Monthly Payment Amount:

Down Payment Amount:

Total Interest:

Total Principal & Interest:

Original Size

Mortgage Calculator Help

You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.

If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.

Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.

Points, Annual Property Taxes, Annual Insurance and Private Mortgage Ins. (PMI) are all optional. If you enter values, the periodic portion of each will be calculated and shown on the schedule. Property taxes and insurance are combined under escrow.

If a borrower does not have cash to cover at least 20% of the purchase price, some lenders will require the borrower to purchase private mortgage insurance (PMI) to cover against a possible default. Premiums are typically 0.5% to 2.0% of the original loan amount. The borrower can drop the insurance coverage once the mortgage balance is less than 80% of the original purchase price. The calculator handles this automatically. (There may be other conditions as well under which the lender will no longer require PMI. One such case might be apprciation of the real estate.)

Points are charges that are normally due at closing. Borrowers (normally only in USA) may select to pay a lender "points" up front in exchange for a lower interest rate. Points are expressed in percent and are calculated on the amount borrowed. 3 points on a $200,000 mortgage equals $6,000. If the user enters points, this calculator includes their value in the summary and as part of the total payment at loan origination on the payment schedule.

The term (duration) of the loan is expressed as a number of months.

60 months = 5 years
120 months = 10 years
180 months = 15 years
240 months = 20 years
360 months = 30 years

Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://AccurateCalculators.com/mortgage-calculator

NOTE: This is an estimate only and should not be used for accounting purposes. Nothing set forth herein should be considered an offer or commitment to lend.

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