Application Process

The application process for commercial mortgage clients. To ensure a smooth and efficient application process, we have structured our procedures similarly to how banks handle commercial loan funding. Below is an overview of the steps involved in the application process:

Step 1: Initial Inquiry
Contact Baker & Williams Public Finance to discuss your financing needs and determine if our services align with your requirements. Our team will provide preliminary information on our loan products and answer any questions you may have.

Step 2: Pre-Qualification
Submit a pre-qualification form with basic information about your project and financial status. This step allows us to assess your eligibility for our loan programs and provide you with an initial indication of the terms and conditions you may qualify for.

Step 3: Documentation Submission
Provide the necessary documentation to support your loan application. This includes financial statements, property appraisals, project plans, and other relevant information. Our underwriting team will review these documents to ensure they meet our guidelines and criteria.

Step 4: Underwriting Review
Our underwriting team will thoroughly review your application and support documentation. This process includes evaluating your creditworthiness, property evaluation, and financial stability. During this stage, we may request additional information or clarification.

Step 5: Approval and Terms
If your application meets our underwriting criteria, we will issue a formal loan approval outlining the terms and conditions of the loan, including the interest rate, repayment schedule, and any associated fees.

Step 6: Closing and Funding
Once you accept the loan terms, we will proceed with the closing process. This involves signing the necessary legal documents and disbursing the loan funds. Our team will guide you through each step to ensure a seamless and efficient closing.

Application Disclaimer

Baker & Williams Public Finance reserves the right to request additional documentation and information during the application process.

All loan applications are subject to underwriting approval, and meeting the minimum criteria does not guarantee approval.

Independent MAI appraisers conduct property appraisals only, which are mandatory for all loan applications. Contact our office for more details.

Loan terms, including interest rates and repayment schedules, will be determined based on the applicant's creditworthiness, property evaluation, and financial stability.

Any fees associated with the loan application process, including appraisal and documentation fees, are non-refundable and must be paid upfront.

Baker & Williams Public Finance is committed to maintaining transparency and fairness in all its dealings and strives to provide customized loan solutions tailored to each client's needs.

Application Process and Fees

To ensure a smooth and efficient application process, we have structured our procedures similarly to how banks handle commercial loan funding. Here is an overview of the steps and associated fees:

Initial Inquiry: Free

Pre-Qualification: Free

Documentation Submission: Varies based on project complexity

Underwriting Review: Included in loan processing fee

Approval and Terms: Included in the loan processing fee

Closing and Funding: Closing costs vary; contact us for details

Baker & Williams Public Finance reserves the right to request additional documentation and information during the application process.

All loan applications are subject to underwriting approval, and meeting the minimum criteria does not guarantee loan approval.

Independent appraisers conduct property appraisals and are mandatory for all loan applications.

Loan terms, including interest rates and repayment schedules, will be determined based on the applicant's creditworthiness, property evaluation, and financial stability.

Any fees associated with the loan application process, including appraisal and documentation fees, are non-refundable and must be paid upfront.

Baker & Williams Public Finance is committed to maintaining transparency and fairness in all its dealings and strives to provide customized loan solutions tailored to each client's unique needs.