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Middle-aged white male with computer in front of him and holding a loan application, talking on a cell phone.

How to Strengthen Your Commercial Real Estate Loan Application

Commercial real estate (CRE) loans are critical for business owners and investors looking to acquire, develop, or renovate properties. Whether you're..

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Line chart showing home prices (dark blue) and mortgage payments (light blue) from 1988 to present.

Chart of the Day: 1988 Home Prices to Now

Today’s Chart of the Day is data from Case-Shiller Adjusted Home Price, charted by Mish.

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Green map of the United States of America

Chart of the Day: Value of $100

Today’s Chart of the Day from GoBankingRates shows the cost-of-living differences between the states. Oddly in Florida, $100 is worth $100.

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Client asking CRE lender questions

Must-Ask Questions Before Selecting Your Commercial Real Estate Loan Partner

The choice of commercial real estate (CRE) lender can significantly influence the outcome of your investment. Partnering with the right CRE loan..

Read More

Map of the United States, with area of federally owned land colored in red and state-owned land in white.

Chart of the Day: Land Owned By Government

Today’s Chart of the Day deviates from our usual financial topics and comes from the Bureau of Land Management.

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Man's hand holding a cellphone which is displaying a smishing text.

DON’T CLICK THE LINK! How to Prevent Falling Victim to Phone Scammers

According to Consumer Affairs, in 2023, there were over 310 million smartphone users in the US. Text message open rates are estimated to be as high..

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Line graph illustrating the returns of various asset classes from 1970 to 2020. S&P 500 - blue, Corporate Bonds - orange; Gold - yellow; Treasury Bonds - aqua; Real Estate - purple; Cash - green.

Chart of the Day: Growth of $100 Since 1970

Today’s Chart of the Day is from Markets in a Minute and shows the value of $100 invested in various assets from 1970 to 2023.

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blue bar chart

Chart of the Day: More Mortgage Free

Today’s Chart of the Day from ResiClub shows the percentage of homes that are mortgage-free.

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Happy, smiling, middle-aged Hispanic couple sitting on front stairs of a home.

Ten Tips for Refinancing Your Mortgage

Refinancing a mortgage can be a smart financial move when done right. It offers the potential for lower interest rates, better loan terms, and even..

Read More

Line graph illustrating the percentage of manufacturing jobs as compared to all jobs in the US from 1948 to 2023.

Chart of the Day: Manufacturing Decline

Today’s Chart of the Day comes from GlobalData and shows the percentage of manufacturing jobs in the US, from 1948 to 2023.

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defined contributions in blue, defined benefits in green

Chart of the Day: More 401(k)'s Than Ever

Today’s Chart of the Day comes from Torsten Slok who is the Chief Economist with Apollo. It shows the increase of defined contributions (401K’s and..

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Business owner talking with commercial lender

To Rent or Own Your Commercial Real Estate? That Is the Question!

As a business owner, you face many critical decisions, and one of the most impactful is whether to rent or own your commercial real estate (CRE)...

Read More

lobbying levels show in green, Pharmaceuticals: $383M, Electronics $244M, Insurance $158M

Chart of the Day: Lobbying

Today’s Chart of the Day is from Open Secrets and shows the amount of money spent in lobbying our federal government in 2023. We have all heard about..

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eye glasses, tape measure, pliers, cellphone with Crews Bank logo all on a wooden floor or tabletop

Your Banking Toolbox: Online Banking Tools for Small Businesses

Running a small business requires the right set of tools to manage finances efficiently and securely. Crews Bank & Trust offers a well-stocked..

Read More

Line graph showing return indices for the global market portfolio (blue) and its asset categories - Equities in brown, Real Estate (purple), Nov-government bonds (gray), Government bonds (green) and Commodities (gold) from 1970 to the present.

Chart of the Day: The Everything Portfolio (Part 2)

Today’s Chart of the Day is a follow up from the previous post and is from an academic paper called “The Risk and Reward of Investing” published by..

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How to Strengthen Your Commercial Real Estate Loan Application

Commercial real estate (CRE) loans are critical for business owners and investors looking to acquire, develop, or renovate properties. Whether you're expanding your portfolio or investing in your first property, understanding what lenders consider before underwriting a loan can make a significant difference in your loan application’s success. Preparation can be the key to a smoother process, better terms, and increased approval chances. Let’s break down the primary factors that CRE lenders evaluate and how you can position yourself for success.

More

Chart of the Day: 1988 Home Prices to Now

Today’s Chart of the Day is data from Case-Shiller Adjusted Home Price, charted by Mish.

More

Chart of the Day: Value of $100

Today’s Chart of the Day from GoBankingRates shows the cost-of-living differences between the states. Oddly in Florida, $100 is worth $100.

More

Must-Ask Questions Before Selecting Your Commercial Real Estate Loan Partner

The choice of commercial real estate (CRE) lender can significantly influence the outcome of your investment. Partnering with the right CRE loan provider ensures that you have the support, financial structure, and flexibility needed to navigate the complexities of the commercial property market. Choosing a CRE lender isn’t just about securing funds; it’s about establishing a relationship that will support your real estate endeavors now and in the future. This guide outlines key questions you should ask when selecting your CRE loan partner to help you make an informed decision.

More

Chart of the Day: Land Owned By Government

Today’s Chart of the Day deviates from our usual financial topics and comes from the Bureau of Land Management.

More

DON’T CLICK THE LINK! How to Prevent Falling Victim to Phone Scammers

According to Consumer Affairs, in 2023, there were over 310 million smartphone users in the US. Text message open rates are estimated to be as high as 98% compared to only a 20% open rate for emails, so it’s no wonder cyber criminals are focusing on texts! If you own a smart phone, you’ve likely been the recipient of a smishing text. Would you be able to tell?

More

Chart of the Day: Growth of $100 Since 1970

Today’s Chart of the Day is from Markets in a Minute and shows the value of $100 invested in various assets from 1970 to 2023.

More

Chart of the Day: More Mortgage Free

Today’s Chart of the Day from ResiClub shows the percentage of homes that are mortgage-free.

More

Ten Tips for Refinancing Your Mortgage

Refinancing a mortgage can be a smart financial move when done right. It offers the potential for lower interest rates, better loan terms, and even access to home equity. However, it’s essential to approach it with careful planning and awareness of the factors that can impact your long-term financial health. Here are 10 tips to consider before you refinance your mortgage:

More

Chart of the Day: Manufacturing Decline

Today’s Chart of the Day comes from GlobalData and shows the percentage of manufacturing jobs in the US, from 1948 to 2023.

More

Chart of the Day: More 401(k)'s Than Ever

Today’s Chart of the Day comes from Torsten Slok who is the Chief Economist with Apollo. It shows the increase of defined contributions (401K’s and the like) and decline in defined benefit (aka pensions) since 1984.

More

To Rent or Own Your Commercial Real Estate? That Is the Question!

As a business owner, you face many critical decisions, and one of the most impactful is whether to rent or own your commercial real estate (CRE). Your decision will affect your business's cash flow, long-term growth, and even its stability. Both options have their own benefits, and understanding the differences can help you make an informed choice.

More

Chart of the Day: Lobbying

Today’s Chart of the Day is from Open Secrets and shows the amount of money spent in lobbying our federal government in 2023. We have all heard about the money spent by the Pharmaceutical Industry, but we never see to what degree versus other industries.

More

Your Banking Toolbox: Online Banking Tools for Small Businesses

Running a small business requires the right set of tools to manage finances efficiently and securely. Crews Bank & Trust offers a well-stocked banking toolbox designed to meet the unique needs of small businesses. From digital tools to personalized banking services, here’s how their solutions can help you streamline operations and protect your business.

More

Chart of the Day: The Everything Portfolio (Part 2)

Today’s Chart of the Day is a follow up from the previous post and is from an academic paper called “The Risk and Reward of Investing” published by Doeswijk and Swinkel in July 2024.

More