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YOUR LENDING SOLUTIONS​
Commercial & Residential Real Estate Financing Solutions
At Your Lending Solutions, we are a committed mortgage consulting brokerage, reshaping the way you approach financing to meet your unique requirements. With a focus on both commercial and residential non-conventional financing, we offer customized solutions designed around your goals. Our diverse range of mortgage products provides flexible options tailored to your specific circumstances. We understand that each client is different, and we’re here to deliver the right solutions for your needs.
Contact us today to explore how our consulting expertise can help you achieve your financial goals with the perfect mortgage solution.
YOUR LENDING SOLUTIONS​
YOUR LENDING SOLUTIONS​
OUR CEO
Myriam E. Cruz brings over 20 years of expertise in commercial and residential lending, backed by a bachelor's degree in accounting and business management. Driven by her life’s mission, she is passionate about helping individuals navigate the complexities of real estate financing.
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As the principal owner and operator of Your Lending Solutions, Myriam leverages 20+ years of experience in the financial and banking sectors. With a deep understanding of internal bank processes, loan committees, and lending decisions, she excels at structuring loan requests to guide clients toward securing the financing they need.
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Committed to community impact, Myriam has served as a counselor for organizations like the NJSBDC and Rising Tide. She also frequently speaks at small business events, sharing her expertise on financing strategies. Following her calling, Myriam uses her talents and knowledge to empower others in achieving homeownership and building wealth through real estate investment.
YOUR LENDING SOLUTIONS​
Services
Commercial Real Estate Loans
A commercial loan is a type of financing provided to businesses for purposes like purchasing real estate, equipment, or expanding operations. It's typically offered by banks or financial institutions and can be secured or unsecured, with repayment terms and interest rates varying based on the business’s creditworthiness.
​Fix & Flip Loans
Our Fix & Flip Loan Program provides quick funding for real estate investors looking to purchase, renovate, and sell properties for profit. With financing options up to 90% of the purchase price and 100% of renovation costs, we offer flexible terms and a fast approval process to help you maximize your investment potential.
Owner Occupied Commercial Loans
Commercial real estate owner-occupied refers to a property where the owner’s business occupies at least 51% of the space. It is typically used for the owner’s operations, such as offices, retail, or manufacturing. Financing terms often differ from investment properties since the owner uses the property directly.
SBA 7a Loans
The 7(a) Loan Program, SBA’s primary business loan program, provides loan guaranties to lenders that allow them to provide financial help for small businesses with special requirements. 7(a) loans can be used for:
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Acquiring, refinancing, or improving real estate and buildings
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Short- and long-term working capital
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Refinancing current business debt
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Purchasing and installation of machinery and equipment, including AI-related expenses
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Purchasing furniture, fixtures, and supplies
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Changes of ownership (complete or partial)
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Multiple purpose loans, including any of the above
NON-QM LOANS
RESIDENTIAL
1-4 Families
Non-QM residential loans provide flexible financing options for borrowers who may not meet traditional loan criteria. Ideal for self-employed individuals, investors, or those with unique financial situations, these loans accommodate alternative income verification and customized terms. Unlock homeownership and investment opportunities with Non-QM solutions.
SBA 504 Loans
The SBA 504 Loan is designed to help small businesses purchase or improve fixed assets like real estate and equipment. With loan amounts up to $5 million, it offers long-term financing at competitive interest rates. This program promotes economic growth by providing affordable funding, enhancing business expansion and job creation.
