Business disclosures
Business & Website Disclosures
This page provides general business and website disclosures. Additional transaction-specific and state-specific disclosures may be provided as applicable.
Company information
Trans States Commercial Corp. d/b/a Trans States Mortgage is identified in the repository as a mortgage broker focused on business-purpose investment-property financing. AvoidHardMoney.com is operated by Trans States Commercial Corp. Office: Oakstead Professional Center, 19508 Shumard Oak Dr. Suite 103, Land O Lakes, FL 34638. Contact Tony Jagmohan Persaud at tony@transstatesmortgage.com or 813-476-4265. Services are available in most U.S. states, subject to state, lender, property, and transaction availability. Compliance contact and Equal Housing Opportunity applicability remain pending confirmation.
Mortgage broker role
Trans States Mortgage is a broker, not the funding lender. We may present a scenario to one or more independent lenders or funding sources and may receive compensation from a lender, borrower, or another transaction participant as disclosed for the actual transaction. Each lender makes its own credit, property, eligibility, pricing, and funding decisions. The availability of a lender or program is not guaranteed.
No commitment or guarantee
Information on this site is educational and does not constitute a loan application, preapproval, approval, rate lock, loan estimate, commitment to lend, or guarantee of terms. Completing the initial property review does not obligate you to proceed. Loan options, eligibility, and terms vary by property, borrower, lender, market conditions, and transaction.
Program and property information
Programs, pricing, interest rates, leverage, credit standards, DSCR or other cash-flow calculations, reserves, documentation, appraisal requirements, property eligibility, seasoning, prepayment provisions, fees, and timing vary by lender and may change without notice. All information must be verified for the actual scenario. Examples and educational content are illustrative and are not program guidelines.
Investment-property focus
This website is intended for owners exploring financing secured by rental or investment property for business or investment purposes. It is not directed to primary-residence, first-time-homebuyer, or consumer-purpose mortgage transactions. A property’s intended use, occupancy, ownership, and transaction purpose must be confirmed during review.
Property values and cash flow
Estimated property value, rent, expenses, equity, debt service, and loan-to-value calculations supplied through the site are preliminary. Final values and qualifying calculations may depend on appraisals, leases, market-rent analysis, title, insurance, taxes, property condition, lender methodology, and verified documentation.
Third parties and professional advice
Trans States Mortgage may work with third-party lenders, appraisers, title or settlement providers, insurance providers, technology providers, and other transaction services. References or links do not constitute an endorsement or guarantee of a third party. This website does not provide legal, tax, accounting, real-estate, or investment advice. Consult qualified professionals about your circumstances.
Geographic availability
Services and programs are offered only where permitted and available. State, lender, property, and transaction requirements may affect whether Trans States Mortgage can assist with a particular scenario. Additional disclosures will be provided when applicable to a transaction.
Fair treatment
Trans States Mortgage supports fair and responsible access to financing and does not discriminate in violation of applicable law. Business-purpose and investment-property transactions remain subject to the laws and requirements applicable to the specific transaction.
Website content
We aim to keep website information useful and current, but do not warrant that every page is complete, error-free, or suitable for every situation. Content may be revised at any time. Privacy, communications consent, and transaction-specific disclosures are addressed in the site policies and may be supplemented as applicable.