· The rate will be fixed at the prevailing Maspeth Federal Savings Commercial interest rate for the similar type property. All closing costs will be paid by the borrower and will include, but not limited to, mortgage taxes, appraisal fees, attorney fees and title search fees.
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Unless I’m missing something, it sounds like a newer processor or underwriter is working on your loan, and your loan officer doesn’t know enough to push back on it, because your insurance needs to be (as you said) the lower of the full replacement cost of the structure, or the loan amount. Ask your insurance agent if there is any documentation that the replacement coverage is guaranteed to 100.
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Commercial Property Loan Calculator. This tool figures payments on a commercial property, offering payment amounts for P & I, Interest-Only and Balloon repayments – along with providing a monthly amortization schedule. This calculator automatically figures the balloon payment based on the entered loan amortization period.