Frequently Asked Questions

How long has AIM been in business?

AIM has been in business since 2001.

If you are based in Florida, what is your coverage area for apartment building loans?

Nationwide. With regards to apartment building loans and commercial financing, we can close anywhere in the country.

Are you direct lenders?

For apartment building loans and commercial loans, no. We offer financing through a select group of nationwide lenders. Because of our “top producer” status, we enjoy exclusive correspondent relationships with these lenders and are able to offer very competitive rates and terms. For private money loans (which we offer in Florida only), we are direct hard money lenders and hard equity lenders.

Is AIM licensed?

Yes. We are a Florida licensed mortgage lender and mortgage brokerage firm. For more information regarding our licensure, please visit the State of Florida Department of Financial Regulation (Division of Securities and Finance) and conduct your own due diligence accordingly.

Why should I trust AIM?

AIM’s president and operating manager, Mr. Phil Zeman, is a former commercial banker with over 16 years of financial services experience. Mr. Zeman graduated from the University of Louisville with a BSBA in accounting. He holds a Series 7 License (Stockbroker), a Series 63 License (Securities Agent) and is a certified cash manager (CCM Certification). AIM’s Director of Multi-Family Financing, Mr. Mark Moyano, is very knowledgeable and experienced in apartment building/commerical financing. Over the past two years he has contributed significantly to AIM’s growth and business volume. Mr. Moyano’s ability to originate and close multi-family deals has led to AIM receiving “top producer” status among select lenders.

Is AIM a large company?

No.  We pride ourselves on being a mid-sized company with excellent support staff, streamlined processing, experienced professionals and high quality customer service.  Our goal is to close your loan as quickly as possible (no more than 30 days).  Approximately 90% of our loans close as initially structured.  Not having many corporate “layers” allows us to work fast and efficiently.  We let other companies make claims such as: ”largest”, “biggest”, “leading”, “best”, “number one”, etc.  We want to be known as a company that closes loans and satisfies its clients.

Do you work with mortgage brokers or individual borrowers?

Both.  We have successfully worked with (and continue to work with) mortgage brokers who find our experience and exclusive correspondent relationships quite beneficial.  Dealing with us has allowed them to expand their list of loan products.

Individual borrowers (from beginning mult-unit investors to the most experienced) are all treated with professional courtesy and respect.  One of our main objectives is to make the loan process as pleasant as possible.

Can you guarantee a closing within 30 days?

As per our experience, if a borrower can provide the documents we ask for in a timely manner, we can usually close within the 30-day time frame. We do not guarantee a closing in 30 days but that has been our average close time.

What if my apartment loan is smaller than $500,000 or larger than $5 million?

Please call us.  We’ve done smaller and larger apartment loans on a case-by-case basis.  We don’t believe in wasting time.  We’ll give you a prompt answer either way.  For commercial loans (office buildings, self-storage facilities, warehouses, etc.), we typically go up to $10 million.