Multifamily Financing Real Estate Loans

Purchase or refinance with confidence—you’re getting competitive rates, no points, no broker fees, and terms that are flexible for your needs.

Special Announcement: California's COVID-19 Rent Relief

Rent assistance is now available to landlords impacted by the pandemic through the CA COVID-19 Rent Relief program. If you're a landlord with one or more eligible renters, you can apply to get reimbursed for 80% of each eligible renter's unpaid rent between April 1, 2020, and March 31, 2021, by agreeing to forgive the remaining 20% of unpaid rent from that time period. Applications are accepted on an ongoing basis, and may be submitted at HousingIsKey.com.

For more information on this program and relief eligibility, please visit the Program Overview.

We can help you expand your portfolio and ensure you’re getting the best rate and terms. Apply for a multifamily real estate loan today.
Loan Qualification Reminders

680 Minimum FICO
DSCR min. 1.20-1.25xs
Property Located in Orange County, Riverside County, San Bernardino County, or Los Angeles County
Cash Out Must be for Business Use
Loan Amounts Range from $500,000 up to $7,500,000
Full Recourse
2 Years Tax Returns Required

 

Loan Qualification Reminders

680 Minimum FICO
DSCR min. 1.20-1.25xs
Property Located in Orange County, Riverside County, San Bernardino County, or Los Angeles County
Cash Out Must be for Business Use
Loan Amounts Range from $500,000 up to $7,500,000
Full Recourse
2 Years Tax Returns Required

 

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Meet Your Loan Consultants

ben-newman-150x175.jpg Ben Newman 
Commercial Real Estate Loan Officer
(714) 755-5900 ext. 7436
bnewman@orangecountyscu.org
art-armas-150x175.jpg Art Armas 
VP Commercial Services
(714) 755-5900 ext. 7438
aarmas@orangecountyscu.org
View-my-LinkedIn-profile-image-145x68.png   View-my-LinkedIn-profile-image-145x68.png  

Ben Newman is the most seasoned Commercial Loan Officer at Orange County’s Credit Union. Having started his banking and finance career while still attending university and quickly becoming a licensed loan officer in 2004, Ben soon learned that he had the aptitude and passion to navigate the unique Southern California commercial real estate market. Fast forward more than a decade and Ben has completed over $1 billion in loan transactions, refined his keen insight into the nuances of commercial loan timing and structure, and become a trusted professional known to maximize client savings, convenience, and, ultimately, client satisfaction.

His clientele ranges from high-net-worth individuals and influential property owners/developers, to family teams and first-time investors. Arranging multifamily, industrial, retail, office, and self-storage loans, among others, has given Ben the perspective and experience to bring those he serves significant savings and investment profitability. Having experienced Ben’s signature service and personal touch, his clients return time and time again, with many having expanded their portfolios to include additional revenue sources such as construction financing, bridge loans, and permanent loans.

Ben is proud to be an Anteater, having attended his hometown University of California Irvine on an academic scholarship and graduating in 2007 with his Bachelor of Science degree in Criminology, Law, and Society. When he is not delivering excellent service and value to his Credit Union clients, you can find Ben fishing with his son, watching an action film with his wife, or regularly volunteering at any number of financial literacy events for at-risk youth.

Art Armas takes vision and transforms it to reality. An inspirational leader with an eye for the future, Armas thrives in creating innovative commercial financial products and services that pave the way for safe and diverse portfolios.

As Vice President of Business Services at Orange County’s Credit Union, Armas is instrumental in motivating and coaching the Business Services team to continuously deliver outstanding results that exceed the Credit Union’s Business Members’ needs. With a focus on Commercial and Small Business loan and deposit portfolios, Armas’ analytical mindset empowers him to pioneer new financial solutions to aid in the management and continued growth of Orange County’s small businesses.

With over 20 years in the financial services sector, Armas has held a number of both commercial and consumer lending positions. Having been a Member of Orange County’s Credit Union since the age of 16, Armas had experienced firsthand the values and customer loyalty the Credit Union prides itself on delivering to its Members. When it came time to make a pivotal, career-defining move, Orange County’s Credit Union was a natural progression combining both his financial expertise and visionary spirit with the Credit Union’s Putting People Before Profits mission.

Armas holds both a graduate-level Certificate in Business Banking and a Leadership Certificate from the Foster School of Business at the University of Washington.

ben-newman-150x175.jpg

Ben Newman 
Commercial Real Estate Loan Officer
(714) 755-5900 ext. 7436
bnewman@orangecountyscu.org

View-my-LinkedIn-profile-image-145x68.png

Ben Newman is the most seasoned Commercial Loan Officer at Orange County’s Credit Union. Having started his banking and finance career while still attending university and quickly becoming a licensed loan officer in 2004, Ben soon learned that he had the aptitude and passion to navigate the unique Southern California commercial real estate market. Fast forward more than a decade and Ben has completed over $1 billion in loan transactions, refined his keen insight into the nuances of commercial loan timing and structure, and become a trusted professional known to maximize client savings, convenience, and, ultimately, client satisfaction.

His clientele ranges from high-net-worth individuals and influential property owners/developers, to family teams and first-time investors. Arranging multifamily, industrial, retail, office, and self-storage loans, among others, has given Ben the perspective and experience to bring those he serves significant savings and investment profitability. Having experienced Ben’s signature service and personal touch, his clients return time and time again, with many having expanded their portfolios to include additional revenue sources such as construction financing, bridge loans, and permanent loans.

Ben is proud to be an Anteater, having attended his hometown University of California Irvine on an academic scholarship and graduating in 2007 with his Bachelor of Science degree in Criminology, Law, and Society. When he is not delivering excellent service and value to his Credit Union clients, you can find Ben fishing with his son, watching an action film with his wife, or regularly volunteering at any number of financial literacy events for at-risk youth.

 


art-armas-150x175.jpg

Art Armas 
VP Commercial Services
(714) 755-5900 ext. 7438
aarmas@orangecountyscu.org

View-my-LinkedIn-profile-image-145x68.png

Art Armas takes vision and transforms it to reality. An inspirational leader with an eye for the future, Armas thrives in creating innovative commercial financial products and services that pave the way for safe and diverse portfolios.

As Vice President of Business Services at Orange County’s Credit Union, Armas is instrumental in motivating and coaching the Business Services team to continuously deliver outstanding results that exceed the Credit Union’s Business Members’ needs. With a focus on Commercial and Small Business loan and deposit portfolios, Armas’ analytical mindset empowers him to pioneer new financial solutions to aid in the management and continued growth of Orange County’s small businesses.

With over 20 years in the financial services sector, Armas has held a number of both commercial and consumer lending positions. Having been a Member of Orange County’s Credit Union since the age of 16, Armas had experienced firsthand the values and customer loyalty the Credit Union prides itself on delivering to its Members. When it came time to make a pivotal, career-defining move, Orange County’s Credit Union was a natural progression combining both his financial expertise and visionary spirit with the Credit Union’s Putting People Before Profits mission.

Armas holds both a graduate-level Certificate in Business Banking and a Leadership Certificate from the Foster School of Business at the University of Washington.

 


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Business Banking Products

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Business Checking

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Business Savings

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Business Money Market

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Business CD's

Business Loan Products

»

Business Vehicle Loan

»

Business Equipment Loan

»

Business Line of Credit

 

 

Commercial Real Estate

»

Commercial Real Estate Financing

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Multifamily Real Estate Financing