Services
From the
construction site to
the boardroom.
Funding consulting for 25 to 40+ year recertifications and special projects.
LTM Group is the partner your association needs in its corner.
The lending decision belongs to the institution. The preparation behind it is ours.
LTM Group is a licensed property management firm that specializes in preparing condominium associations about to embark on 25 to 40+ year recertifications and special projects for the tasks that lay ahead. It is our job to present each association to institutional lenders with its full financial picture in order and any potential issues identified and discussed.
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We succeed only when the association does. Our work is measured by one result: the association securing the financing its project requires.
An association loan is not a mortgage.
Securing an association loan in Florida is significantly different from obtaining a mortgage or a home equity loan.
Four reasons banks say no
High delinquencies
Unresolved legal matters
Issues with association
documents
Poor loan-to-value
ratios
Preparation is how an association answers them.
We know how lenders think,
with close relationships with the top institutional lenders in Florida and a keen understanding of banking tolerance guidelines and thresholds.
We learn each association's history first,
becoming intimately involved with every client and every project.
We answer risk with facts,
mitigating perceived or potential risks with fact-based data, so risk managers can understand the entire financial picture of the association.
We stay in the association's corner,
remaining involved in the life of the association until the loan is paid back in full.
How we approach every association
How we work with your association
Three stages, one partner, from the first document to the final draw.
We prepare the loan package and
collect the documents it requires.
Loan package
01
We carry communication between the bank, board, management, engineering, legal and residents through underwriting, pre-closing and closing.
Underwriting and closing
02
We work with management, the bank, the engineer and the contractors to process AIA payments, loan proceed requests and wire transfer requests, providing an added layer of protection.
Draw period
03
Every project begins with preparation.
Tell us about your association and the project ahead.