#3: Bill Bernardo - How to Finance Investment Property in Guam

Commercial Real Estate Loans | Guam Investment Property | How to Get a Business Loan in Guam

 

Buying a commercial property in Guam isn’t like getting a residential mortgage.

Local banks require larger down payments, shorter loan terms, and stricter underwriting.

 

In this episode of Data Points, Ryan Mummert speaks with Bill Bernardo (BankPacific) about:

- How to prepare your financials to qualify for a commercial real estate loan

- Why banks in Guam require 25-30% down for investment properties

- How the HEDCO loan can reduce your down payment to just 10%

- How to negotiate financing terms with conservative lenders

 

Need real estate data to support your loan application?

 

Pinpoint Guam provides market comps, rental trends, and valuation insights to help you buy smarter and finance faster.