National Bancorp incorporated as a commercial mortgage company in San Diego in 1985. With over 20 years of experience in financing income property loans of all types. We take pride in providing not only competitive interest rates, but also loans structures that meet the unique needs of both the borrower and the property. These have included, but are not limited to:

• Fixed and Adjustable Interest Rates
• High Loan to Values (up to 97%)
• Three day Pre-Approvals & 30 Day Closings
• Single Purpose & Mixed Use Properties
• Rate Locks
• “Make Sense” Underwriting
• Minimal Closing Costs
• No Mandatory Debt Service Requirements
• No Yield Maintenance
• Non Recourse
• Cash Out
• Both large (up to $20 million) & small loan programs (as small as $200,000)
• Small town and rural communities accepted
• 35 year amortization
• No balloon payments

With the “sub-par” loan industry creating havoc in the lending community, some lenders have become very conservative in their loan underwriting. Some have stopped lending altogether and in some cases have even gone out of business. National Bancorp is a seasoned commercial mortgage company with over 20 successful years of experience in providing financing through all the real estate cycles. We make it our business to know where the best lending programs are, and how to deliver them to our clients.