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“Your living space is where you eat, sleep, play, entertain, and relax. It helps define your lifestyle and set your mood. Imagine the space that lets you live your best life and we’ll give you the financial backing to build it. Our home loan specialists will help you find land, apply for a construction loan, and complete the project.”

“Mortgage Loan Officer”

“What happens to the construction loan after building is completed? We will work with you to roll your loan into your permanent financing.”

“When can I start my building project? We strongly encourage you to complete your loan before starting anything on the project. If you have already started construction we will need to apply to the title company for approval to close your construction loan. Approval from the title company will depend on receipt of all mechanical lien releases.”

“Construction Loans”

“Invest in your business with flexible banking products that work for the short term and long haul. Business Checking Business Savings Business Loans Business Resources”

“The loan for almost any need – tailored to your life and budget. Check it Out”

“Cerberus Business Finance, established in 1995, our middle-market direct lending platform, has become a trusted partner to private equity sponsors and leading businesses. Learn more”

“Cerberus has been among the largest purchasers of European non-performing loans and portfolios from 2013-2021.* Learn more”

“Our Operational Private Equity platform seamlessly integrates our investment and operating teams as we strive to lead successful business transformations and drive long-term value. Learn more”

“Our Residential Opportunities platform has extensive mortgage credit experience and is a leading institutional investor in single-family rental properties. Learn more”

“Assets under management * Non-Performing Loans: 2013 – 2021. Source: Cushman & Wakefield (Real Estate Loans Sales – 2014, 2015, 2016); Evercore (European Distressed RE Market Report, 2016, 2017, 2018, 2019, 2020, 2021). Note: Descriptions herein of the Cerberus advantage are subject to a number of key assumptions regarding market conditions and the ability to attain investment objectives. There can be no guarantee that the investment strategy for any Cerberus-managed fund will be successful or that any of the advantages identified above will be realized to the benefit of any Cerberus-managed fund. Statements included herein are based upon information reasonably available to Cerberus as of the date included. However, the inclusion of such statements shall not create any implication that the information contained herein is correct in all respects, including as of any time subsequent to the date thereof, and Cerberus does not undertake any obligation to update such information at any time after such date. Please be aware that Cerberus' name, brand, and reputation may be misused by unauthorized third parties. We do not provide investment advice or otherwise solicit capital via social media, including LinkedIn, Facebook, Instagram, or any chat platforms (encrypted or otherwise secure) including but not limited to Telegram, Whatsapp, or Signal. If you receive a communication that appears suspicious, please report it to us at [email protected] . For more information, read more . Contact Us Terms of Use CCM Privacy Policy CCM Whistleblower Statement Accessibility Careers Portfolio Careers UK Stewardship Code Disclosure HFSB Signatory © 2026 Cerberus Capital Management, L.P. Assets Under Management ("AUM") is as of March 31, 2024. The AUM referenced represents the total Cerberus-managed funds' AUM, excluding co-investments, but, depending on the type of fund, the AUM calculation would vary. For unlevered commitment funds in their investment period, AUM represents equity commitments, and during those funds' post-investment period AUM represents, either adjusted cost or NAV, depending on the fund. The AUM of each multi-strategy fund is assigned across the relevant strategies in proportion to the percent of market value of the investments in the various strategies. For commitment funds with fund level leverage, AUM during the funds' investment period is calculated based on equity commitments plus outstanding leverage and in the post-investment period based on NAV plus outstanding leverage. Outstanding leverage excludes subscription facilities. For evergreen funds, AUM represents NAV. HR data as of May 1, 2024, unless noted otherwise. There can be no assurances that any of these professionals will remain with the Firm. Descriptions herein of the Cerberus advantage are subject to a number of key assumptions regarding market conditions and the ability to attain investment objectives. There can be no guarantee that the investment strategy for any Cerbe”

“Connect with free financial resources for individuals, families and businesses. Articles and Resources”

“Making payments on a loan with suboptimal terms can make you feel trapped. Luckily, refinancing can help you find more suitable terms for the loans.”

“You’ve had your dream home planned in your head for years, and now it’s finally time to make it a reality. Part of this process is getting financing in place to be able to pay builders and ensure timely construction. Our experienced construction lenders work with you to establish how much financing you will need. We also work directly with your builder for fluid communication of plans and costs, approving all loan advance requests along the way. Our construction loans are set up as a line-of-credit to be drawn on during building Loans come with a variable rate that is indexed to the National Prime Rate A decision on your loan approval is made quickly by local representatives Try our new Construction Loan App for fast pre-qualifications!”

“Home Lending Construction Loans”

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“Our construction loans are set up as a line-of-credit to be drawn on during building”

“Are personal guarantees required? Unconditional personal guarantees are required for all commercial real estate loans. Generally, borrowers with at least 20% ownership in the business will be required to guarantee loans. Owners with less than 20% ownership may be required to guarantee loans to have at least 50% ownership represented as guarantors. Partial or waived guarantees may be possible in situations when exceptionally strong mitigating factors exist.”

“Are there prepayment penalties? Chartway does not charge prepayment penalties on any commercial real estate loan, an advantage for financing at your credit union.”

“Chartway generally offers a 10-year loan amortized over 25 years with the rate adjusting at year 5. Other options may be available to shorten the rate adjustment period, extend the amortization, or provide longer maturities. There are no prepayment penalties regardless of which loan type or program you choose. Are you ready to discuss your loan needs? Speak to a Commercial Real Estate Officer Table data for Commercial Real Estate - Available Loan Options Effective 07-18-2026 Loan Type Amortization Maturity Alert Me 5-Year Adjustable Rate 25 years 10 years 10-Year Fixed Rate 25 years 10 years 15-year maturity may be permitted as approved by the Business Loan Committee.”

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“--> What is considered a commercial real estate loan? Any loan to a business for a business purpose where the collateral used is a piece of real estate is a commercial real estate loan. What types of real estate can be used? Almost any piece of real estate can be used as collateral for a commercial real estate loan. Office buildings, warehouses, raw land, etc. If the collateral in question is land or a building, we can probably use it for a commercial real estate loan. Does the business have to occupy the building to get a loan? Nope! We can do loans on several properties at once, on investment properties, or a mixture of the two. As long as the business is the owner of the property, we can use it as collateral. What is the typical loan term? Our most common product is a 10 year/25 year amortization loan with a 5-year reprice. That said, we can change the loan term and the amortization period to meet the needs of the borrower. The maximum loan term is 15 years. What are the interest rates on a loan like this? Interest rates for commercial loans are tied to the 5-year Treasury Bill. As this price index rises and falls day to day, so do our interest rates. Typically, commercial real estate loan rates are locked in 5 years at a time. This means that on a 10 year loan, the interest rate of the 61st payment will adjust to the market rate at that time. What is the loan limit on a commercial real estate loan? The loan limits on these loans are quite high, and we can control risk on loan limits in a different way than most. These loan limits can also change from time to time, so it’s best to reach out to a commercial real estate loan officer for questions about loan limits. In general, first-time borrowers shouldn’t be concerned about loan limits in most cases. How long does a commercial real estate loan take to complete? Most of this depends on the borrower. The sooner they can submit the required documentation and finances, the quicker we can complete the loan. On average, these loans take around 6 – 8 weeks to complete once all required documentation has been received. What documents/finances should the borrower prepare to submit with an application? Every borrower will need to submit 3 years of taxes for each business and business owner involved in the loan. Additional documents will be required, which varies from loan to loan, so it’s best to allow the commercial real estate loan officers to make those determinations with the borrower directly. Are personal guarantees required? Unconditional personal guarantees are required for all commercial real estate loans. Generally, borrowers with at least 20% ownership in the business will be required to guarantee loans. Owners with less than 20% ownership may be required to guarantee loans to have at least 50% ownership represented as guarantors. Partial or waived guarantees may be possible in situations when exceptionally strong mitigating factors exist. Are there prepayment penalties? Cha”

“Commercial Real Estate Loans”

“How long does a commercial real estate loan take to complete? Most of this depends on the borrower. The sooner they can submit the required documentation and finances, the quicker we can complete the loan. On average, these loans take around 6 – 8 weeks to complete once all required documentation has been received.”