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A term sheet is measured by what it costs to live with — not the rate on the first page.

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JOGA Financial arranges financing. We are not a lender and we do not make credit decisions. Financing is arranged with third-party capital sources, and our compensation is disclosed in writing on every term sheet.

All financing arranged is for business, commercial, or investment purposes on non-owner-occupied property. Loans of this type are not subject to the Truth in Lending Act, RESPA, or the disclosure protections that apply to consumer mortgages.

Nothing on this site is an offer to sell or a solicitation to buy any security, or an offer to raise or place investor capital. Terms shown are indicative and vary by lender, sponsor, market and property; nothing here is an offer of credit or a commitment to lend. We arrange financing in states where business-purpose lending to an entity falls outside consumer mortgage licensing. Coverage is confirmed per deal before we quote. Equal Housing Opportunity.

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