Let’s Get Started!
About Julia
Julia Bridgewater joined Centennial Lending in March 2020. She has been a Relationship Manager in business banking since 2010 with Wells Fargo, Key Bank and Bank of the West. She has been a top producer and specializes in commercial real estate loans, C&I lending and SBA. Julia is originally from Ukraine, has lived in USA since 2001 and in Denver since 2004. She lives in Centennial with her family.
She is an energetic, driven and highly motivated Relationship Manager, dedicated to exceeding client expectations, developing and building strong long lasting fruitful working relationships with customers to gain their trust and respect.
Julia has a Bachelor’s Degree in International Economics and Spanish language from Institute of International Relations in Kiev, Ukraine (1998) and MBA from University of Colorado Business School in Denver (2010), and speaks Russian and Spanish fluently.
Contact Me Today!
I would love to talk and encourage calls at 720-951-0501. Alternatively, you are invited to complete the following contact form. I will review the information and get back to you as soon as possible.
Commercial Real Estate, Construction, & Residential Lot Rates
| Base Interest Rate | Rate Adjustment | Loan Term | Indicative Spread at Adjustment |
Indicative Start |
|---|---|---|---|---|
| 3 Year CMT | Every 3 Years | Fifteen Year Term | 2.75% | 3.375% |
| 5 Year CMT | Every 5 Years | Fifteen Year Term | 2.75% | 3.625% |
| 7 Year CMT | After Year 7 | Fourteen Year Term | 2.75% | 3.875% |
| 10 Year Fixed | Fixed Rate | Ten Year Term | Fixed Rate | 4.125% |
Maximum amortization is 25 years. Loan may be utilized in conjunction with a Small Business Administration 504 loan to increase allowable combined loan to value.
| Interest Rate Index | Rate Adjustment | Loan Term | Indicative Spread at Adjustment |
Indicative Start |
|---|---|---|---|---|
| 3 Year CMT | Every 3 Years | Fifteen Year Term | 2.50% | 3.125% |
| 5 Year CMT | Every 5 Years | Fifteen Year Term | 2.50% | 3.375% |
| 7 Year CMT | After Year 7 | Fourteen Year Term | 2.50% | 3.625% |
| 10 Year Fixed | Fixed Rate | Ten Year Term | Fixed Rate | 3.875% |
| 15 Year Fixed | Fixed Rate | Fifteen Year Term | Fixed Rate | 4.750% |
Maximum amortization is 30 years. Non-owner occupied properties only.
| Interest Rate Index | Rate Adjustment | Loan Term | Maximum LTV/ Maximum LTC |
Indicative Start |
|---|---|---|---|---|
| WSJ Prime + 1% – 2.5% | Monthly | One to Five Year Term | 75% | 4.250% – 5.750% |
| Base Interest Rate | Rate Adjustment | Loan Term | Indicative Spread at Adjustment |
Indicative Start |
|---|---|---|---|---|
| 3 Year CMT | Every 3 Years | Fifteen Year Term | 2.75% | 3.500% |
| 5 Year CMT | Every 5 Years | Fifteen Year Term | 2.75% | 3.750% |
| 7 Year CMT | After Year 7 | Fourteen Year Term | 2.75% | 4.000% |
| 10 Year Fixed | Fixed Rate | Ten Year Term | Fixed Rate | 4.250% |
Maximum amortization is 30 years.
| Loan Term | Rate Adjustment | Property Type | Maximum LTV / Maximum LTC |
Indicative Rate |
|---|---|---|---|---|
| 12 Months | Fixed | Owner Occupied Residential | 80% / 80% | 5.750% |
| 12 Months | Fixed | One-to-Four Family Investment | 75% / 75% | 6.125% |
| 12 Months | Fixed | Commercial | 75% / 75% | 6.125% |
Origination fees are typically 1.5% of the loan amount plus reasonable and customary closing costs.
| Maturity | Rate Adjustment | Loan Term | Maximum LTV / Maximum LTC |
Indicative Rate |
|---|---|---|---|---|
| 3 Years | Fixed | Fifteen Year Amortization | 70% | 6.625% |
| 5 Years | Fixed | Fifteen Year Amortization | 70% | 6.875% |
| 7 Years | Fixed | Seven Year Amortization | 70% | 7.125% |
Origination fees are typically 1.5% of the loan amount plus reasonable and customary closing costs.
Rates are set at time of commitment and may be adjusted based on risk factors. Origination fees are typically 1% of the loan amount plus reasonable and customary closing costs. The loan terms contained herein may not be all-inclusive and are subject to change until your loan is approved and accepted.
What You’ll Need To Apply
Signed Loan Application
Copy of your Drivers License
Improvement Location Survey
Contract to Purchase
Insurance Agent Contact Information
Schedule of Leases or Rent Roll
Leases and Letters of Interest
Ready To Apply?
Click the appropriate link below to download the application.
Once downloaded, complete the editable PDF, save, and upload the completed document using the secure link below.
