Fred Cebalo is a seasoned professional in the commercial real estate finance sector, bringing over 30 years of extensive experience to his role as Vice President and Commercial Loan Officer at Provident Bank. With a robust background that includes over a decade as a Senior...
Fred Cebalo is a seasoned professional in the commercial real estate finance sector, bringing over 30 years of extensive experience to his role as Vice President and Commercial Loan Officer at Provident Bank. With a robust background that includes over a decade as a Senior Lending Officer at prestigious institutions such as Imperial Capital Bank, Union Bank of California, and United Commercial Bank, Fred has honed his expertise in originating commercial and multifamily loans across California. His impressive track record includes financing over $500 million in commercial real estate, showcasing his deep understanding of the market dynamics and lending processes.
At Provident Bank, Fred specializes in a diverse array of property types, including 5+ unit multifamily residences, mobile home parks, mixed-use developments, self-storage facilities, as well as office and industrial properties. His proficiency in commercial mortgages allows him to navigate complex lending scenarios, providing tailored solutions that meet the unique needs of his clients. With loan amounts ranging from $350,000 to $6,000,000 and competitive loan-to-value ratios of up to 75% for purchases and rate/term refinances, Fred is adept at structuring financing that aligns with both investor goals and market conditions.
Fred's skill set encompasses a wide range of competencies, including real estate economics, mortgage lending, property appraisals, and investment strategies. His comprehensive knowledge of commercial lending not only facilitates successful transactions but also fosters long-term relationships with clients, positioning him as a trusted advisor in the industry. As he continues to drive key projects at Provident Bank, Fred remains committed to leveraging his expertise to support the growth and success of his clients in the ever-evolving landscape of commercial real estate finance.
