Business Details
Commercial Real Estate Financing Solutions in Mesa, AZ
Imix Mortgage has been a trusted partner in commercial real estate financing since our founding, offering tailored loan solutions for diverse property types and borrower profiles. Our team combines decades of industry experience with a deep understanding of both conventional and non-conventional lending markets, ensuring clients receive personalized guidance through every transaction. We specialize in simplifying complex financing needs, from acquisition and development loans to cash-out refinancing and mortgage note sales, while maintaining a steadfast commitment to transparency and client education.Our underwriting process prioritizes individual circumstances over rigid formulas, making us a reliable choice for borrowers seeking flexible terms and expert support. With a proven track record in assisting clients with credit challenges and unique property scenarios, we deliver financing options that align with both short-term goals and long-term investment strategies.
Services
Conventional Loans
Non-Conventional Loans
SBA Loans
Portfolio Bank Loans
Cash-Out Loans
Construction Take Out Loans
Foreclosure Bailout
Bridge Financing
Sale-Leaseback
Mortgage Note Purchase
Highlights and features
- We offer 30+ years of combined experience in commercial real estate lending and underwriting.
- Our programs accommodate borrowers with non-traditional credit profiles and unique property types.
- We provide nationwide financing options excluding only select states.
- Our team includes CCIM-certified professionals with specialized transaction expertise.
- We offer free initial consultations to assess individual financing requirements and goals.
Services
Conventional Loans
We provide conventional commercial real estate loans for property acquisition, refinancing, and development. These programs suit borrowers with standard credit profiles seeking financing for owner-occupied or investment properties. Our conventional loans offer competitive rates and terms aligned with traditional banking standards while maintaining flexible underwriting criteria.
Non-Conventional Loans
Our non-conventional loan programs address unique borrower situations where traditional financing isn't viable. These solutions accommodate bad credit histories, non-traditional income verification, and specialized collateral requirements. Loan amounts range from $50,000 to $20 million with tailored terms for distressed properties and complex transactions.
Mortgage Note Purchase
We offer immediate liquidity by purchasing full mortgage notes or partial payment streams. This service benefits note holders seeking capital for reinvestment, debt reduction, or operational needs while eliminating collection responsibilities. We accept notes with varying credit histories across multiple property types.
Foreclosure Bailout
Our foreclosure bailout program provides emergency financing to prevent property loss. We structure customized repayment plans and loan terms for borrowers facing imminent foreclosure, provided collateral and financial requirements are met through comprehensive underwriting analysis.
SBA Loans
We facilitate SBA loans requiring 10% down payments for qualifying owner-occupied properties. These programs benefit small business owners needing financing while meeting SBA occupancy and operational requirements for long-term commercial property investments.
People
Marcelino Gallardo
Founder
With 30+ years in real estate financing, Marcelino leads originations and company strategy. His expertise spans diverse loan programs and underwriting complexities, ensuring tailored solutions for commercial borrowers nationwide.
Esther P Gallardo
Chief Operating Officer
CCIM-certified with 25+ years in real estate transactions, Esther manages operations and transaction analysis. Her financial expertise from Arizona State University and industry experience ensure rigorous compliance and client-focused operational efficiency.
Claudia Moreno
Senior Consultant
Claudia specializes in commercial mortgage solutions, leveraging extensive transaction experience to address client-specific financing needs. Her approach prioritizes personalized consultation and strategic guidance for complex commercial real estate investments.
Questions
What types of commercial real estate do you finance?
We finance medical facilities, multifamily properties, industrial warehouses, office buildings, retail spaces, self-storage units, churches, gas stations, restaurants, and more.
Can borrowers with bad credit qualify for loans?
Yes. We offer programs for borrowers with credit challenges, including alternative income verification and collateral-based underwriting.
Do you offer no-recourse loan options?
Yes. We provide corporate-structured loans that don't require personal guarantees in specific scenarios.
Can I sell part of my mortgage note?
Yes. We purchase full notes or partial payment streams while allowing you to retain control of remaining payments.
Are your interest rates competitive?
Yes. Rates are determined by property type, loan structure, and borrower profile, with market-competitive terms for qualified applicants.
Do you finance properties in foreclosure?
Yes. We offer foreclosure bailout programs when specific underwriting requirements are met.
