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EMx Lending arranges financing solely for business-purpose residential and multifamily property transactions. We do not offer consumer mortgages or loans for owner-occupied residences. As a private lender, EMx Lending operates under applicable state and federal regulations for business-purpose loans and is not required to obtain NMLS licenses in most states. Please consult with your legal and financial advisors to ensure compliance with local lending regulations. All loans are subject to approval based on borrower qualifications and transaction terms. Rates advertised are the lowest offered; actual rates may vary based on factors such as borrower FICO score, experience, ownership period, and more. Rates are not locked until final approval. EMx Lending offers financing in all states except Vermont, North Carolina, Minnesota, North Dakota, South Dakota, Idaho, Utah, Oregon, California, Arizona, and Nevada.