Life Insurance Loans 

Life Insurance Loans are generated by life insurance companies who balance an investment portfolio. They invest a portion of the portfolio in real estate mortgages to generate interest income.  $1MM to $10MM loan amounts for purchase or refinance and up to 30-year amortization.  Terms of 10 – 25-year fixed rates with early rate lock and no reserves.  Recourse and assumable both available up to 75% loan to value and with a 1.25% minimum Debt Service Coverage Ratio (DSCR).

Lending Criteria Description
  • Purchase and Refinance
Property Type:
  • Office Buildings / Retail
  • Industrial / Warehouse
  • Hospitality / Mixed Use
  • Self-Storage / Gas Stations
  • Medical / Healthcare
Max Loan-to-Value:
  • 75% LTV
Minimum Credit Score:
  • 680+
Prepayment Penalty:
  • Yield Maintenance
Maximum Debt-Service-Ratio (DSR):
  • 1.25%
  • Recourse
  • Subject to lender approval
Broker Fee:
  • 1 point
  • 10 – 25-Years
Interest Only:
  • Available
Loan Amounts:
  • $1,000,000 – $10,000,000
Closing Timeframes:
  • 60 – 90 days
  • 25 – 30-Years
  • 1st Trust Deeds
  • Required for Tax & Insurance
Other Available Options:
  • Interest Only
Other Costs:
  • All 3rd Party Fees
This information is NOT a loan approval or commitment to lend. The actual loan amount, interest rate, fees, costs and monthly payment on your specific loan transaction can vary and will depend on your choice of loan product and your unique credit profile. Loans (in CA) will be made pursuant to BRE License # 02001852. Loan Brook, Inc. is an equal opportunity lender.