“The most prominent area of risk for rising credit losses at FDIC-insured institutions during the next several quarters is in CRE lending. Prudent loan workouts are often in the best interest of financial institutions and borrowers.”

-- FDIC Chairwoman Sheila Bair, October 14, 2009

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Are You Experiencing:

• Higher vacancy due to the poor economy?
• Lower rents/lease rates than anticipated?
• An impending balloon payment, and the bank is unwilling to extend maturity?
• Coming out of pocket every month because the NOI can no longer support the mortgage payment?
• Having difficulty refinancing your commercial loan and just out of options?

• Reduction in interest rate with current loan amount
• Reduction in loan amount with current interest rate
• Immediate interest-only payment schedule with a reduction in rate
• Extension of amortization schedule (for example, from 20 to 30 years)
• Extension of debt maturity date  (Balloon)
• Forbearance and deferment of several months of payment
• ...And numerous combinations of the above.

The Law Offices of Ted A. Greene, Inc.

331 J Street, Suite 100

Sacramento, CA 95814

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