Emigrant Mortgage Company, through Emigrant Funding Corporation, offers portfolio small balance commercial / mixed use products for first mortgage financing for most types of commercial real estate, including: multifamily apartment houses, mixed-use buildings, retail strips and office properties. As a subsidiary of Emigrant Bank, a 167-year-old New York savings institution, Emigrant Funding is able to draw upon the vast resources of its parent to make sure borrowers get the funds they need in a timely fashion. Emigrant’s commercial portfolio guidelines include purchase, rate/term refinancing and cash-out transactions, full documentation loan programs and amortization Periods up to 30 Years. EFC's full suite of programs and products provide financing options for traditional borrowers, as well as foreign nationals, resident aliens and borrowers with low or no credit scores. Emigrant Bank is a participating SBA Lender offering SBA Advantage Loans 7(a) and SBA Grow Loans (504). Emigrant’s Commercial Lending Area includes: NY Market* • 5 boroughs • Nassau/Suffolk • Westchester/Rockland • Orange & Putnam NJ/PA/CT Market • New Jersey* • Eastern PA including Philadelphia • Fairfield County, CT* (Other counties may be considered) New England Market • Eastern Massachusetts including Boston Florida • Southeast Florida including Miami • Southwest Florida including Tampa *EFC's Small Business Administration (SBA) lending area Emigrant maintains offices in New York (Manhattan, Long Island and Westchester), Massachusetts and Florida. In addition, Emigrant has Commercial Mortgage Specialists in the field in Brooklyn, Queens, and New Jersey. Our Commercial Mortgage Specialist along with our in-house team of underwriters, appraisers and closers, facilitate prompt decision making and processing of all loan applications.