Michelle Paxton at Partners Mortgage helps business owners, real estate investors, and homebuyers secure the right financing with clear guidance and flexible lending solutions. From commercial property acquisitions and investment portfolios to residential purchases and refinancing, Michelle provides a straightforward path from application through closing.
Explore commercial loan programs for real estate investors, business owners, and developers. Financing options support property purchases, refinances, and investment opportunities across California and out of state.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
At Partners Mortgage, we go beyond the numbers to build lasting partnerships with our clients. Our team combines decades of industry experience with a modern, client-first approach to deliver smart, tailored home loan solutions.
We take the time to understand your goals and guide you through every step of the mortgage process with clarity, care, and confidence. Whether you’re a first-time homebuyer, a seasoned investor, or somewhere in between, we’re here to be your trusted partner in home financing.
Have questions about home loans or commercial financing? Explore answers to common questions about residential mortgages, investment property loans, and commercial real estate financing. Learn how loan programs work, what documentation may be required, and how to move forward with the right financing strategy for your goals.
Michelle Paxton provides residential and commercial financing solutions for homebuyers, real estate investors, and business owners. Services include home purchase loans, refinancing, investment property financing, and commercial real estate lending through Partners Mortgage.
Commercial loan programs can be used to finance a wide range of property types including multifamily properties, office buildings, retail spaces, mixed use developments, warehouses, light industrial properties, restaurants, self storage facilities, daycare centers, and automotive related properties. Financing options are available for both owner occupied and investor owned commercial real estate.
Commercial loan amounts typically range from approximately $100,000 to $2,000,000 depending on the loan program, borrower profile, and property type. Some specialized commercial and private capital programs may allow larger loan amounts based on the strength of the asset and investment strategy.
Documentation requirements vary by program. Some programs require full documentation such as personal and business tax returns, while others offer alternative qualification options including bank statement programs, lite documentation investor loans, or streamlined programs that require minimal documentation.
Many commercial loan programs require a minimum credit score between 650 and 700, depending on the loan type and property. Some investor or alternative documentation programs may have different requirements based on loan structure and borrower experience.
Commercial loan programs may offer 30 year amortization schedules with fixed or adjustable rate options such as 30 year fixed or 5 year ARM structures. Amortization terms commonly include 15, 25, or 30 year schedules depending on the program and property type.
A DSCR commercial loan allows investors to qualify based primarily on the property’s cash flow rather than personal income. DSCR stands for Debt Service Coverage Ratio, which measures whether the property’s rental income can cover the loan payment. These loans are commonly used by real estate investors purchasing or refinancing rental properties, multifamily buildings, and mixed use properties. DSCR programs typically allow flexible documentation and faster approvals for experienced investors.
Some commercial loan programs offer reduced documentation or no tax return options designed for investors and business owners. These programs may use alternative qualification methods such as bank statements, property cash flow, or asset based underwriting. No doc or streamlined documentation loans can be useful for investors who prefer not to provide traditional income documentation or who have complex tax returns.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
