With a variable rate commercial mortgage, interest rate will fluctuate during payback period. Interest rates are determined by US Federal government. Make sure you understand how variable rates are determined. Also, find out from lender how often rate on a variable rate mortgage will change. It’s fine as long as interest rate is decreasing; it’s increases that you need to worry about. Make sure, too, that should interest rates increase, you can still afford monthly payments. With some variable rate loans, rate is fixed for first few years, and then converts to a variable rate loan.

When applying for a commercial mortgage, also ask about Early Redemption Charge (ERC). Remember, lenders make money off interest on loan. When loan is repaid in full sooner than anticipated, lender loses money. To avoid losing money, lenders often include an ERC which can amount to a substantial, one-time sum. If you discover an ERC in fine print, try to negotiate it away. If you’re not successful, take your business elsewhere.

Applying for a commercial mortgage means that you’re about to make a serious investment. Be sure you know exactly what you’re signing before you sign documents. You have a right to ask questions, renegotiate more favorable terms and do whatever else you feel is necessary. It’s your money and your future. Good luck!

Commercial Lifeline are Commercial Mortgage and Bridging Finance specialists.

Download our free Commercial Mortgage guides by visiting our Commercial Mortgage Guide page.

The key to a growing portfolio is finding a balance between ups and downs of these many assets. For example, if one year stocks seem to be down, real estate or commodities may be up. So if you are ready to get started with investing, what do you need to know? First, you need to decide how much money you have to invest safely.

If you decide to invest in mutual funds, you will be asked if you want a high, medium or low risk stock. If you invest in high, there is of course, more risk involved but if it is successful, you will see much higher returns. If you go with a low risk, you will not lose as much if it doesn't work out but you will not gain large amounts if it is successful. It's really all about how much money you have and how much you feel comfortable with risking.

Whatever you choose, there is really no reason not to invest. There are so many opportunities that can be tried with little investment and little risk of loss. If you are considering it,it is easy to learn a little more about it to form your decisions of which way to go and then invest your money and watch it grow! The money you invest may return money for your college, kid's college, retirement, to buy a house or whatever your needs are. There's no reason not to get started today.

Margaret Marabella http://www.funinvesting.com

Margaret Marabella is the webmaster for: Investinga site dedicated to investments, passive income, and ultimately financial freedom.