Commercial Real Estate Solutions

Ponce De Leon Federal Bank’s lending staff has the expertise and commitment to assist you in identifying the best product(s) available to meet your overall financing goals. With over 50 years of lending experience in the tri-state area, we are attuned to the needs of our community and possess the ability to provide flexible and creative lending products that are tailored to your needs.

Owner-Occupied Commercial Real Estate Loans

Ponce De Leon Federal Bank understands the business owners who choose to own the property that houses their business, or desire to acquire such a property. Along with our business lending products, we can structure your loan based on your vision and financial needs to accommodate both the acquisition of your own property to house your business and, at the same time, ensure that your business remains healthy and financially strong.

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs.

Construction Development Loans

Ponce De Leon Federal Bank takes pride in assisting real estate developers in building their projects and converting their vision into reality. Our portfolio includes the five boroughs of New York City, portions of New Jersey, as well as Nassau and Suffolk counties all the way out to the Hamptons and Montauk.

  • Our expertise and product lines include the construction of condominium developments, office buildings, warehouse space, 1- 4 family residential properties, and retail space.
  • Our very transparent process - without hidden fees - makes us one of the best lenders to work with.
  • Our very streamlined approach follows all specific requirements and regulations in construction lending, and our team of expert engineers, appraisers and consultants ensures a smooth build out process.
  • Our vision is to help real estate developers meet their financial needs and goals and complete their project build-out in a timely manner, while incurring reasonable costs.

Please contact us to schedule an appointment to discuss and review your project.

Multi-family Properties

Ponce De Leon Federal Bank offers very competitive financing products for Multi-family 5+ unit properties for qualified applicants.

Benefits of a Ponce De Leon Federal Bank Mortgage Loan to Finance Multi-family Properties

  • Loans for purchases or refinances
  • Competitive interest rates
  • 5 to 30 year terms - eliminating the need or uncertainty of balloon payments
  • Competitive prepayment premiums
  • Loan-to-value ratios of up to 75%
  • Non-recourse offerings under certain terms
  • Quick decision process

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs.

Mixed-Use Properties

Ponce De Leon Federal Bank offers very competitive financing products for mixed-use properties for qualified applicants who exhibit sufficient credit worthiness.

Benefits of a Ponce De Leon Federal Bank Mortgage Loan to Finance Mixed Use Properties

  • Loans for purchases or refinance
  • Competitive interest rates
  • 5 to 30 year terms - eliminating the need or uncertainty of balloon payments
  • Competitive prepayment premiums
  • Loan-to-value ratios up to 75% for purchases and 70% for refinances
  • Non-recourse offerings under certain terms
  • Quick decision process

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs

1- 4 Residential Investment Loans

Ponce De Leon Federal Bank offers a unique product that provides qualified applicants with adjustable rate mortgage loans to purchase or refinance 1-4 family dwellings for investment purposes (including condominium and co-op units).

Benefits of a Ponce De Leon Federal Mortgage Loan to Finance 1-4 Residential Investment Properties

  • Loans for purchases or refinances
  • Competitive interest rates
  • 5 to 30 year terms - eliminating the need or uncertainty of balloon payments
  • Competitive prepayment premiums
  • Loan-to-value ratios up to 70% for purchases and 65% for refinances
  • Quick decision process

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs.

Non-Residential Loans

Ponce De Leon Federal Bank’s broad experience and expertise allows us to provide very innovative lending products and services for non-residential investment properties. We offer competitive terms and have the ability to tailor the financing on non-residential properties according to your needs.

Benefits of a Ponce De Leon Federal Bank Mortgage Loan to Non-Residential Properties

  • Loans for purchases or refinances
  • Competitive interest rates
  • 5 to 30 year terms - eliminating the need or uncertainty of balloon payments
  • Competitive prepayment premiums
  • Loan-to-value ratios up to 75% for purchases and 70% for refinances
  • Quick decision process

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs. 

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