Emigrant Mortgage Company, Inc. through its affiliate, Emigrant Funding Corporation (“EFC”), offers portfolio (bank-owned) small balance commercial/mixed use products for first mortgage financing for most types of commercial real estate, including: multifamily apartment houses, mixed-use buildings, retail strips and office properties. As a subsidiary of Emigrant Bank, a 168-year-old New York savings institution, EFC is able to draw upon the vast resources of its parent to make sure borrowers get the funds they need in a timely fashion. Emigrant’s commercial portfolio guidelines include purchase, rate/term refinancing and cash-out refinancing transactions, full documentation loan programs and amortization periods up to 30 Years. EFC's full suite of programs and products provide financing options for traditional borrowers, as well as foreign nationals, resident aliens and borrowers with low or no credit scores. EFC, through Emigrant Bank, is a participating Small Business Administration (“SBA”) Lender offering SBA 7(a) and (504) Loans.