A Message From Our President

Thank you for considering Affinity Bank as your lending partner. We have been closing income property loans for Realtors®, builders and buyers for years…through a flexible, efficient approach that has earned us a reputation as one of the region’s leading specialists. We welcome the opportunity to put our staff’s cumulative experience and insight to work for you on your next transaction.

As a portfolio lender, we fund most of our own loans. That means we determine what’s required for approval rather than following the mandates of the secondary market. So you’ll find less red tape at Affinity Bank. There’s less documentation involved. You enjoy lower costs. You rarely pay upfront fees. The list goes on.

All these benefits are available on our full selection of loan products, which include ARMs, fixed rate loans, construction/permanent programs and more. We fund virtually all types of properties with basically good credit and low inherent risks – even those with legal or other complexities.

Affinity Bank is an income property lender with a commitment to getting your mortgage loans closed. We’ve carved our niche as a “can do” lending institution that gets the job done – with maximum convenience and minimum costs – for our growing list of valued clients. We’d like to count you among them.

Michael R. McGuire
President, Affinity Bank

Portfolio Products For All Your Needs

With roots dating back to 1982, Affinity Bank is well known along the western region of the U.S. as a flexible, result-oriented income property lender. Funding your income property loans is our top priority. Our goal is to close them quickly…efficiently…with the least amount of cost to you, the buyer.

Each income property has unique characteristics. As a result, it often proves difficult to force them into the pre-defined loan parameters set by the secondary market. This can and does lead to increased costs and lengthy delays for the customer, or, worse yet, loan denial.

Affinity Bank takes a different approach. We are a portfolio lender that originates, closes and funds our own loans. Unencumbered by the strict guidelines of the secondary market, we have a great amount of flexibility in customizing financing ideally suited to a wide variety of income properties. Furthermore, because we keep loans in our own portfolio, we don’t require the volume of documentation, reporting and fees demanded by other programs – programs that must be approved by a chain of investors and agencies.

At Affinity Bank, we offer all the latest fixed and adjustable rate loan products on the market…for purchase, refinance, rehab and often new construction…in amounts ranging from $500,000 to $5,000,000 and more…for many types of properties:

		Apartments
		Manufactured/Mobile Home Park Communities
		Office Buildings
		Retail
		Warehouse
		Industrial
		Mixed use
		Franchise "Fast Food" Restaurants
		Auto Repair & Auto Body/Paint Shops

A Trendsetter In Customer Service

We pride ourselves on the caliber of the customer service we provide. For each assignment, we begin with a clear understanding of the transaction, as well as the client’s financial position and objectives.

We then provide comprehensive services designed to bring the loan to fruition.

Prompt processing and underwriting responses • Identification and circumvention of potential delays in verification, income analysis and title process • Quick resolutions to problems • Competitive pricing on each quality income property and construction loan – even those with legal or other complications • Hands on attention • Open and constant communication • Expedited loan closings

In short, you receive total follow-through from the first initial meeting until the transaction is finalized. Our one and only goal is to close your loans quickly…efficiently…with the least amount of cost to you, the buyer.

Expect more from Affinity Bank. We’re Your Income Property Loan Specialists.