Margaret Hunt Hill bridge in Dallas

Borrowers can count on us to perform when the need for quick capital arises. Real Estate Debt Capital Delivered Quickly

We have expertise over a long period of time in every type of real property transaction, including underwriting, closing, and servicing loans. Our efficient execution is the key to our volume and brand:

Objective

Graham Mortgage Corporation seeks to be a capital partner for borrowers. We willingly tackle challenges traditional lenders do not.

Timing

Graham has been a top player in the high-yield lending market for more than 30 years. Graham provides responsive debt capital to the market, producing reliable results.

Collateral

Income-producing property and some land secured by First Liens. Income properties in major Texas markets are our primary focus. In addition, there is a targeted component of credit-leased properties throughout the United States.

Borrowers can count on us to perform when the need for quick capital arises.

Graham Mortgage has been a portfolio lender supplying debt capital to the real estate industry for over 30 years. Our primary lending market is the Dallas/Fort Worth area and the major cities of Texas. Our lending program focuses on Income Property loans. We only consider first liens; no mezzanine loans or equity.

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Acquisitions:
Our quick underwriting and approval helps buyers of properties close quickly with assurance, enabling them to trade aggressively with sellers.
Discounted Payoffs:
We have helped many borrowers either buy back their own notes from existing lenders or buy notes on properties that have defaulted or have been discounted for a variety of reasons.
Cash Out Loans:
Considered on income properties only.
Time-Sensitive Loans:
Our tag line is “renowned reliability”. We combine remarkable speed with surety of closing, having closed over $225 million in the past eight years.
Auction/Foreclosure Fundings:
Please call to discuss.

Lending Programs

Traditional Commercial Real Estate Bridge

Three commercial office buildings

Traditional income producing commercial real estate secured by First Lien Deeds of Trust.

Credit Tenant Leasing Lending

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Up to 100% of cost on credit single tenant build to suit projects whose lease terms are 10 years or longer. Tenants must be national “credit” to qualify.

Construction Lending

New construction buildings

Limited to small ($2.5 million and under) retail, single family and townhouse construction focusing on core locations in DFW.

Loan Parameters

Loan Sizes

No Minimum. We comfortably quote loans as much as up to $5 million.

Loan Volume

We target fundings of $50 million per year.

Property Types

Most income property types including apartments, shopping centers, industrial and office buildings. On a limited basis, residential and commercial land.

Loan Terms

Typical terms are two years, payable monthly interest only at a rate targeting 10%. Borrowers are required to sign partial or full recourse. Recourse may be limited to so-called “bad boy” provisions if credit and LTV warrant. Loans are pre-payable at anytime and require an Exit Fee. All loans require a lender-controlled impound for property taxes payable monthly.

Testimonials

I have had many great experiences working with Graham Mortgage over the years in my roles as both a mortgage broker and a borrower. In my opinion, there are two things that are absolute necessities from a hard money lender: 1. They do what they say they are going to do while acting with integrity and 2. They move very quickly with an understanding of all issues surrounding a transaction. Dean and his team at Graham have done these things in every interaction I have had with them and they will continue to get my business into the future."

- Barrett Linburg, Azure Capital Dallas

…Graham Mortgage stepped up for MCA at a critical time. Not closing on this site would have been a disaster for the Borrower/Sponsor financially. Knowing Dean for the past 15 years, I picked up the phone and educated him on the situation, the capital need and most importantly, the timing. He answered the call, asked me for a few pieces of information, and had me a term sheet by the same evening. Dean’s shop handled the job most impressively. It was with great pleasure that I informed the team that MCA was able to get Graham Mortgage to execute a quick close. Graham saved the project…"

- Todd, MCA

I’ve had very positive experiences with Dean Castelhano at Graham Mortgage as a commercial mortgage broker. I continue to send Dean opportunities any chance I get. Someone in my position needs an honest and reliable source for their clients and with Graham Mortgage I’ve received that every time. Once Dean tells me that he can do the deal and he issues terms I have the highest degree of confidence that the deal will get done. Graham Mortgage is my #1 go-to hard money lender."

- Michael Thompson, Senior Vice President, CBRE | Capital Markets