FAQs for Brokers
Answers for Brokers from a Committed Commercial Lending Partner
At Oakmont Commercial, we know your time is valuable and your clients rely on you to get the deal done: that’s why we make it easy to get answers. Below are the most common questions we receive from brokers like you.
Most Frequently Asked Questions from Brokers
Loan Programs & Eligibility
What types of commercial loans does Oakmont Commercial offer?
We specialize in non-bankable commercial real estate loans that fall outside the box of traditional financing. With make-sense underwriting, no FICO score minimums, flexible terms, and YSP available, brokers consistently earn more by partnering with Oakmont.
What is your typical loan size?
Our typical loan size is $500,000, though we regularly finance deals both above and below that threshold.
What industries and property types do you lend on?
We fund a wide range of income-producing commercial real estate, including:
- Multifamily
- Mixed-use
- Retail
- Office
- Automotive (including auto repair)
Excluded property types: gas stations, raw land, and assisted living facilities.
Can you finance properties in small towns or rural areas?
Yes. We proudly finance commercial properties in small towns and rural markets across the U.S.
Will you finance a business buying its own building?
Absolutely. We regularly finance owner-occupied commercial real estate for businesses purchasing their own space.
Loan Process & Turn Times
How quickly can Oakmont Commercial close a commercial loan?
Our typical turn time is 3 to 4 weeks—but we can close faster when needed. Speed matters, and we deliver.
What documents do you need to issue terms?
To issue terms, we generally need:
- A basic overview of the deal and financing request
- Completed application
- Credit report
- Cash flow details
- Sales contract (if an acquisition)
What credit score or financials do you need to see?
We have no minimum FICO score, but we do review credit history and mortgage performance closely. Financial documentation is required, and we assess each deal on a case-by-case basis.
Broker Relationships & Support
Do you work directly with clients or only through brokers?
Our business is primarily broker-driven, but we will occasionally work directly with borrowers if needed.
How does Oakmont Commercial support brokers during the deal process?
Each loan is assigned a dedicated loan processor, and we maintain open, proactive communication from quote to close. You’ll always know where your deal stands.
Do you pay broker commissions? How are they structured?
Yes. Brokers typically earn fees on the front of the loan, paid by the borrower. Oakmont also offers up to 2% in Yield Spread Premium (YSP) for an upcharge in coupon, providing even more value to our broker partners.
Why Brokers Choose Oakmont
What makes Oakmont Commercial different from other lenders?
- No FICO minimums
- Flexible structures
- Fast turn times
- Broker-first communication
- Creative deal structuring
- Make-sense underwriting
- We’re the partner you call when other lenders say no.
Do you help brokers structure complex or unconventional deals?
Yes. Structuring creative or challenging deals is a core part of what we do. Bring us your “almost” deals—we’ll help you get them across the finish line.
Will you take a second look at a deal another bank declined?
Yes. In fact, bank fall-off loans are a major part of our business. When traditional financing falls short, Oakmont steps in.
Connect with a Partner Who Understands the Market and Your Goals
At Oakmont Commercial, we believe in doing business the right way: with transparency, speed, and a genuine commitment to helping our brokers succeed. Whether you’re working on your first file with us or your fiftieth, we’re here to provide the clarity, support, and flexibility you need to get your deals done.
Have a scenario that needs a second look? Want to talk through a complex structure? Let’s put our experience to work for you. Contact our team for more.