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This section provides access to information that may be useful to existing members, prospective members, and individuals who are seeking commercial real estate financing. You are invited to contact any ACMLA member included on this list to inquire about the association or to discuss real estate financing opportunities for your projects.
Members are invited to submit articles that they have written to be included in this section. Articles may be on any topic that is related to the commercial real estate industry.
Spring 2010
Membership Mixer! [PDF]
Wednesday April 21
Join us for a joint mixer with members of RMA and ACMLA Wednesday April 21, 2010.
An Arizona Lender's Guide to Receiverships [PDF]
Ryley Carlock & Applewhite, By Michael P. Ripp, March 3, 2009
Summer 2009
Commercial Property Deal Drought Worst in 18 Years
Bloomberg.com, By David M. Levitt
September 11, 2009
Commercial-property sales in the U.S. this year are forecast to fall to the lowest in almost two decades as the industry endures its worst slump since the savings and loan crisis of the early 1990s. » Read More
Cox Castle Nicholson
31st Annual Marshall Bennett Conference
Park Hyatt Hotel, Chicago, IL
June 22-23, 2009
Comments of Attendees as reported by:
Mathew A. Wyman of Cox, Castle & Nicholson, LLP
Commercial Real Estate Outlook: Q2 2009
"Between a Rock and a Hard Place" [PDF]
Deutsche Bank – Richard Parkus Head of CMBS Research, (212) 250-6724
7|21|2009
The Future Refinancing Crisis in Commercial Real Estate [PDF]
Deutsche Bank – Research Team
Richard Parkus, Research Analyst
(+1) 212 250-6724
Jing An, CFA Research Analyst
(+1 ) 212 250-5893
Estimates of the Magnitude of Refinancing Risk, Equity Deficiency and Losses from Maturity Defaults
House Bill 2486
Health Insurance; Purchase Outside State
S/E Commercial Mortgage Broker License
HB2486 which creates the Commercial Mortgage Broker License was enacted by the legislature and signed by Governor Brewer on July 10, 2009
The Law of First Impressions
A Practical Guide to Mortgage Applicants
Increased Importance of Borrower Financial Statements
For Commercial Real Estate Financing [PDF]
The current downturn in the commercial real estate market has led to sweeping changes in the underwriting, regulatory oversight, and potential legal liability related to personal financial statements and real estate schedules prepared by mortgage applicants. Practical information and guidance is provided to mortgage applicants for the preparation of complete and accurate personal financial statements and real estate schedules - borrower liquidity, global cash flow, and net worth, along with a review of borrower representations and warranties and FinCEN mortgage fraud enforcement...
Provided by Robert T. Gibney, June 2009
read more...
Spring 2009
Commercial Real Estate Outlook
"Commercial Real Estate at the Precipice" [PDF]
Deutsche Bank – Richard Parkus
Key Themes as of Q1 2009
- CRE fundamentals dramatically weaker across most major property segments and markets
- Price declines of 35-45% (or more) expected, exceeding those of early 1990s
- Rent declines and vacancy rates may approach those of the early 1990s
- Current downturn is demand shock induced versus over-supply induced downturn of early 1990s
- Conduit collateral performance deteriorating at historically fast pace
- Total delinquency rate close to 2003 peak, and likely to exceed 3.5% by year-end
- May reach 6% by 2010 (peak delinquency rates in early 1990s were 6-7%)
- However, by far the greatest risk facing CMBS is maturity default/extension risk, not term default risk
- Large percentage of CMBS loans made in 2005-2008 will not qualify for refinancing without substantial equity injections due to:
- Much tighter underwriting standards
- Massive price declines
- Declining cash flow
Provided by Robert T. Gibney, 3|25|2009
» read more
Save Your Budget!
Overnight Rooms Slashed for '09 Conference at the Wynn Las Vegas!
CMBA is excited to announce that we have negotiated a new, lower
price for
overnight rooms at the Wynn Las Vegas.
Provided by Robert T. Gibney, 3|23|2009
Fall 2008
Summary of Emergency Economic Stabilization Act [PDF]
Provided by Robert T. Gibney, 10|14|2008
11th Annual Western States Commercial Real Estate Finance Conference [PDF]
Provided by Robert T. Gibney, 09|16|2008
Wading Through Deep Water: Turmoil in the Economic and Capital Markets
As presented by Heitman Research at the Las Vegas Lender Conference.
(Available in PowerPoint Only), 09|2008
Capital Markets in Flux
Unprecedented Events During the Week of September 14, 2008 [PDF]
Provided by Robert T. Gibney, 09|18|2008
Fall 2007
Financing Update - Reduced Interest Rates from Portfolio Lenders and Understanding Appriased Value in Relation to Sales Price and Loan Amount [PDF]
Provided by Robert T. Gibney
U.S. Property Market Update Presentation (Available in PowerPoint Only)
As presented by Mary Ludgin, PHD of Heitman Research at CMBA Western States CREF Conference, Las Vegas, September 2007
Loan Officer Licensing [PDF]
Provided by John Burton
Foreclosure Lending Guide [PDF]
Loan Modification Lending Guide [PDF]
An Arizona Lender's Guide to Mechanics' Liens and Stop Notices [PDF]
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