Life Insurance Company − Baypoint

I contacted Loren and Kevin regarding a refinance on my business. I had a 20 year loan that balloons every 5 years, and had approached numerous banks that indicated they could not provide me with a locked rate. Loren and Kevin analyzed my business and my needs, and came back to me with 3 options. I just closed on the refinance at a 5.14% interest rate that is locked for 25 years. Loren and Kevin took the time to really listen to me as a customer and understood what my long term goals were. Both Kevin and Loren stayed in communication with me during the entire process, and it was such a wonderful experience to have their knowledge and expertise to help me make the right decisions. In a world where integrity and honesty are hard qualities to find, Baypoint Financial has renewed my faith that there are still some “good guys” out there!

Kathie Williams - Owner - Cornerstone Academy
It was a pleasure working with Baypoint Financial Services on the financing for our company's office. The terms they provided were very competitive even in comparison to a quote that we received from a major bank. The entire process was seamless and Kevin assisted us every step of the way while keeping us updated continuously. I would highly recommend Baypoint and would definitely use them again in the future.

Steve Goldman - CEO - Workforce Insight
Dear Loren, we wish to take this time and opportunity to let you know how pleased and happy we were with your professional communications and services concerning the funding of the Red Carpet Inn. We were especially impressed with the day to day efficiency of the loan process and your contacting us with the daily and weekly status. In addition, our buyer was exceptionally grateful with the funding, your regular communications with him and the promptness in which you responded to his needs. He complimented your services several times during the process. Please rest assured we will call on you for our future needs and hope to maintain a long term business relationship. As always thank you, and we look forward to calling upon you very soon in respect to your successful funding of the Red Carpet Inn.

Carolyn Deaner - Deaner Diversified Technologies
Robert and Kevin provided financing to my partners and I for the purchase of a hotel. They worked with us to find the most suitable financing option and were very responsive to our requests and needs throughout the process. They were very upfront as to any potential problems or issues and we appreciated their honesty. We plan to use them again as we grow our portfolio.

Hitesh Shah
I had a great experience working with Baypoint. They have financed several hotels in our area including mine and they have a great reputation within our community. They deliver on their promises and do not try and oversell what they have to offer.

Harish Mistry
I would definitely recommend Baypoint if you are in need of financing for your property. Their knowledge and service was superior to what we experienced with other brokers and they made the loan approval and closing process very easy on us.

Jesse Schramm - Schramm Superior Prop
What I am about to write is a very true statement. Many times we think about expressing our gratitude but we forget. I want to thank you for helping me in the past and in the future I will always contact you first before anybody else , simply because we have worked together and that’s how I am able to give positive feedback about you. You were the best. You practically helped me with all my paper work, you are very patient. Definitely very knowledgeable about your work and always very helpful. I look forward to working in the future with you without hesitation and the fact that I can trust you to do what would be in my best interest , so I appreciate you. It was pleasure meeting with you in Naples. Thank you again.

Vicky Mistry
I highly recommend Kevin. If you are financing your property, Kevin will get your loan done. He refinanced my hotel last year. He has also done so for several friends of mine. 1) Kevin knows all of the bankers. He knows who to go to, and he knows what they will / will not be interested in. 2) He knows the process extremely well. He knows what will happen 10 steps down the road, so he helps protect you from making a wrong step. He also knows the terms and negotiating points very well. 3) Most importantly, Kevin is honest, upfront, and well respected. I will work with Kevin on my next project.

Rajeev Chand - Director - Rutberg & Company
We would like to express how pleased we are with the financing that Baypoint provided for our apartment complex. They were able to structure financing that suited our current needs and they handled the loan process with professionalism. They showed an in-depth knowledge of the industry which helped us to feel comfortable that we were getting a very competitive loan offer.

Robert Reimer - Reimer Law Firm, PC

Property Type:	All Property Types Considered
Loan Minimum:	$750,000
Loan – to – Value:	75%
DSCR:	1.20 – 1.30
Recourse:	None (Partial or Full Sometimes Required for Smaller Loan Requests)
Fixed Rate Period:	5, 7, 10, 15, 20, 25 Years
Term:	5 – 25 Years
Amortization:	15 – 25 Years
Pre-payment Penalty:	Yield Maintenance, Declining Balance
Interest Only:	Available
Special Programs:	None

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