{"id":6282,"date":"2026-04-01T15:49:51","date_gmt":"2026-04-01T15:49:51","guid":{"rendered":"https:\/\/demo.max.health\/inkmortgage.com\/?p=6282"},"modified":"2026-05-26T09:56:13","modified_gmt":"2026-05-26T09:56:13","slug":"environmental-site-assessments-the-commercial-mortgage-hurdle-nobody-talks-about","status":"publish","type":"post","link":"https:\/\/demo.max.health\/inkmortgage.com\/blog\/environmental-site-assessments-the-commercial-mortgage-hurdle-nobody-talks-about\/","title":{"rendered":"Environmental Site Assessments: The Commercial Mortgage Hurdle Nobody Talks About"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6282\" class=\"elementor elementor-6282\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-70ea250 e-flex e-con-boxed e-con e-parent\" data-id=\"70ea250\" data-element_type=\"container\" data-e-type=\"container\" 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0-1.8-1.3-2.7-3.2-2.7h-4v5.3z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-e0c927b e-con-full e-flex e-con e-child\" data-id=\"e0c927b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-fd5aa37 elementor-widget elementor-widget-image\" data-id=\"fd5aa37\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"454\" src=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/04\/imresizer-1.jpeg\" class=\"attachment-large size-large wp-image-9230\" alt=\"\" srcset=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/04\/imresizer-1.jpeg 1000w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/04\/imresizer-1-300x170.jpeg 300w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/04\/imresizer-1-768x436.jpeg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-2983561 elementor-widget elementor-widget-heading\" data-id=\"2983561\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Environmental Site Assessments: The Commercial Mortgage Hurdle Nobody Talks About<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-10fcda5 elementor-widget elementor-widget-text-editor\" data-id=\"10fcda5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">When purchasing commercial real estate, most buyers focus on financing, negotiations, and closing timelines. But there\u2019s one critical step that often surprises investors and business owners during the process: the Phase 1 Environmental Site Assessment.<\/p><p dir=\"ltr\">This evaluation is a standard part of commercial mortgage requirements, and it plays a crucial role in protecting both lenders and buyers from environmental liability. While it may seem like just another formality, environmental due diligence can significantly affect whether a commercial loan moves forward.<\/p><p dir=\"ltr\">Understanding how this process works can help prevent delays and ensure a smoother commercial loan closing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-b5aa05f elementor-widget elementor-widget-heading\" data-id=\"b5aa05f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What Is a Phase 1 Environmental Site Assessment?\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-e3e08e8 elementor-widget elementor-widget-text-editor\" data-id=\"e3e08e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">A Phase 1 Environmental Site Assessment (ESA) is an environmental investigation conducted to identify potential contamination risks on a property.<\/p><p dir=\"ltr\">Lenders typically require this assessment before approving financing for commercial real estate transactions.<\/p><p dir=\"ltr\">The goal is to determine whether past or current activities on the property may have caused environmental hazards, such as:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Soil contamination<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Groundwater pollution<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Hazardous chemical storage<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Petroleum spills<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Industrial waste disposal<\/p><\/li><\/ul><p dir=\"ltr\">Because environmental cleanup can be extremely expensive, lenders require this step to avoid financing properties that may carry hidden environmental liabilities.<\/p><p dir=\"ltr\">Business owners evaluating financing options can review the available<a href=\"https:\/\/inkmortgage.com\/#loan-options\">\u00a0commercial mortgage loan options<\/a>\u00a0to better understand how environmental requirements fit into the lending process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-0df4133 elementor-widget elementor-widget-heading\" data-id=\"0df4133\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Why Lenders Require Environmental Due Diligence\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-bdfd6fa elementor-widget elementor-widget-text-editor\" data-id=\"bdfd6fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Environmental issues can dramatically affect property value and legal responsibility.<\/p><p dir=\"ltr\">If contamination is discovered after a purchase, the property owner may be responsible for cleanup costs that can reach hundreds of thousands\u2014or even millions\u2014of dollars.<\/p><p dir=\"ltr\">For this reason, lenders include environmental reviews as part of their commercial mortgage requirements to protect:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">The lender\u2019s investment<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">The borrower\u2019s financial position<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Future buyers of the property<\/p><\/li><\/ul><p dir=\"ltr\">This process ensures that the property does not pose significant environmental risk before financing proceeds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-b2f499f elementor-widget elementor-widget-heading\" data-id=\"b2f499f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What Happens During a Phase 1 Environmental Site Assessment?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-b94ce18 elementor-widget elementor-widget-text-editor\" data-id=\"b94ce18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">A Phase 1 ESA is conducted by licensed environmental consultants and typically includes several investigative steps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-795b14f elementor-widget elementor-widget-heading\" data-id=\"795b14f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">1. Historical Property Review<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-1842373 elementor-widget elementor-widget-text-editor\" data-id=\"1842373\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Consultants examine historical records to determine how the property was used in the past.<\/p><p dir=\"ltr\">They review:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Previous property ownership records<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Historical aerial photographs<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Fire insurance maps<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Local government environmental records<\/p><\/li><\/ul><p dir=\"ltr\">This helps identify whether the site was previously used for activities associated with contamination risks, such as gas stations or industrial operations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-a25313f elementor-widget elementor-widget-heading\" data-id=\"a25313f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">2. Site Inspection<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-82ee861 elementor-widget elementor-widget-text-editor\" data-id=\"82ee861\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Environmental professionals physically inspect the property to identify potential hazards.<\/p><p dir=\"ltr\">During the inspection, they may look for:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Underground storage tanks<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Chemical storage areas<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Evidence of spills or staining<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Waste disposal sites<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Improper hazardous material handling<\/p><\/li><\/ul><p dir=\"ltr\">Even seemingly small observations can trigger further investigation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-669528f elementor-widget elementor-widget-heading\" data-id=\"669528f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">3. Interviews and Regulatory Review<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-9237605 elementor-widget elementor-widget-text-editor\" data-id=\"9237605\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Consultants often interview property owners, occupants, or local officials while reviewing regulatory databases to determine whether environmental violations have been recorded.<\/p><p dir=\"ltr\">This step helps identify previously documented contamination risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-c8f1453 elementor-widget elementor-widget-heading\" data-id=\"c8f1453\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">4. Environmental Risk Report<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-1411a7b elementor-widget elementor-widget-text-editor\" data-id=\"1411a7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Once the assessment is complete, the consultant prepares a formal report that identifies whether the property shows Recognized Environmental Conditions (RECs).<\/p><p dir=\"ltr\">If no issues are found, the report confirms the property meets environmental lending standards.<\/p><p dir=\"ltr\">If concerns are identified, the lender may require additional investigation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-16cad39 elementor-widget elementor-widget-heading\" data-id=\"16cad39\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">When a Phase 2 Environmental Assessment Is Required\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-115d960 elementor-widget elementor-widget-text-editor\" data-id=\"115d960\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">If the Phase 1 ESA identifies potential contamination risks, lenders may require a Phase 2 Environmental Site Assessment.<\/p><p dir=\"ltr\">Unlike Phase 1, which focuses on research and visual inspection, Phase 2 includes actual testing, such as:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Soil sampling<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Groundwater testing<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Laboratory analysis of contaminants<\/p><\/li><\/ul><p dir=\"ltr\">Phase 2 assessments confirm whether environmental contamination actually exists.<\/p><p dir=\"ltr\">While not required for every property, this step can add additional time to the financing process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-d8720bc elementor-widget elementor-widget-heading\" data-id=\"d8720bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Properties Most Likely to Trigger Environmental Reviews\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-d10d836 elementor-widget elementor-widget-text-editor\" data-id=\"d10d836\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Certain types of commercial properties are more likely to raise environmental concerns.<\/p><p dir=\"ltr\">Examples include:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Gas stations or auto repair shops<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Industrial manufacturing facilities<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Dry cleaners<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Agricultural properties with chemical storage<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Warehouses storing hazardous materials<\/p><\/li><\/ul><p dir=\"ltr\">Even properties located near these types of businesses may trigger additional environmental review.<\/p><p dir=\"ltr\">Investors evaluating commercial properties often use tools like the<a href=\"https:\/\/inkmortgage.com\/b-mortgage-calculator\">\u00a0commercial mortgage payment calculator<\/a>\u00a0to estimate financing costs while planning for potential due diligence expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-6e67fb2 elementor-widget elementor-widget-heading\" data-id=\"6e67fb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">How Environmental Assessments Affect Commercial Loan Closing<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-248dad2 elementor-widget elementor-widget-text-editor\" data-id=\"248dad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">A Phase 1 Environmental Site Assessment is usually required before final loan approval.<\/p><p dir=\"ltr\">If environmental concerns are discovered, the closing timeline may be affected.<\/p><p dir=\"ltr\">Possible outcomes include:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Loan approval proceeding normally if no issues are found<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Additional testing required before closing<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Environmental remediation required before financing<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Loan denial if contamination risk is too high<\/p><\/li><\/ul><p dir=\"ltr\">Because of these possibilities, experienced lenders encourage borrowers to begin environmental due diligence early in the transaction.<\/p><p dir=\"ltr\">Borrowers preparing for closing often estimate related expenses using resources such as the<a href=\"https:\/\/inkmortgage.com\/closing_cost_calculator\">\u00a0commercial closing cost calculator<\/a>\u00a0to plan their transaction budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-0f062ab elementor-widget elementor-widget-heading\" data-id=\"0f062ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Why Environmental Due Diligence Protects Buyers\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-3126a96 elementor-widget elementor-widget-text-editor\" data-id=\"3126a96\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Although environmental assessments are required by lenders, they also provide important protection for buyers.<\/p><p dir=\"ltr\">Without proper environmental due diligence, buyers could unknowingly purchase a property with expensive environmental liabilities.<\/p><p dir=\"ltr\">Completing a Phase 1 ESA helps ensure:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">The property is environmentally safe<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">No hidden contamination risks exist<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Future property value remains protected<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Buyers qualify for important legal liability protections<\/p><\/li><\/ul><p dir=\"ltr\">This step can ultimately prevent costly legal and financial issues later.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-a63ff70 elementor-widget elementor-widget-heading\" data-id=\"a63ff70\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">The Role of Mortgage Professionals in Commercial Transactions<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-95a1da5 elementor-widget elementor-widget-text-editor\" data-id=\"95a1da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Commercial real estate financing involves many complex steps, including environmental assessments, property appraisals, legal reviews, and underwriting.<\/p><p dir=\"ltr\">Mortgage professionals help guide borrowers through these requirements by:<\/p><ul><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Coordinating with environmental consultants<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Ensuring lender compliance requirements are met<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Preparing documentation for loan approval<\/p><\/li><li dir=\"ltr\" aria-level=\"1\"><p dir=\"ltr\" role=\"presentation\">Managing timelines for commercial loan closing<\/p><\/li><\/ul><p dir=\"ltr\">Working with experienced professionals connected through the<a href=\"https:\/\/inkmortgage.com\/#lenders\">\u00a0INK Mortgage lender network<\/a>\u00a0can help borrowers navigate these complexities more efficiently.<\/p><p dir=\"ltr\">You can also learn more about the experience behind these services through the<a href=\"https:\/\/inkmortgage.com\/#about\">\u00a0INK Mortgage company overview<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-bd7b419 elementor-widget elementor-widget-heading\" data-id=\"bd7b419\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Real Buyers Benefit From Professional Guidance\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-6ce77e7 elementor-widget elementor-widget-text-editor\" data-id=\"6ce77e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Environmental due diligence is just one of many technical aspects involved in commercial real estate financing.<\/p><p dir=\"ltr\">Buyers who work with experienced mortgage professionals often find the process significantly smoother. Many borrowers share similar experiences navigating commercial financing challenges, which you can see reflected in the<a href=\"https:\/\/inkmortgage.com\/#testimonials\">\u00a0client success stories and testimonials<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-ceb90a3 elementor-widget elementor-widget-heading\" data-id=\"ceb90a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Final Thoughts<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-d35cd66 elementor-widget elementor-widget-text-editor\" data-id=\"d35cd66\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">A Phase 1 Environmental Site Assessment may not be the most widely discussed part of commercial real estate transactions, but it is one of the most important.<\/p><p dir=\"ltr\">By identifying potential contamination risks early, this environmental review protects lenders, investors, and property owners from costly liabilities.<\/p><p dir=\"ltr\">Understanding environmental due diligence\u2014and preparing for it early\u2014can help ensure a smoother commercial loan closing and reduce unexpected delays in the financing process.<\/p><p dir=\"ltr\">If you&#8217;re planning to purchase commercial property and want guidance navigating the full lending process, you can<a href=\"https:\/\/inkmortgage.com\/#contact\">\u00a0connect with a mortgage professional<\/a>\u00a0to explore the best financing strategy for your transaction.<\/p><p dir=\"ltr\">You can also explore more industry insights and financing strategies in the<a href=\"https:\/\/inkmortgage.com\/#recent-posts\">\u00a0latest mortgage resources and updates<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-8f071d4 e-con-full e-flex e-con e-child\" data-id=\"8f071d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-80297e4 post-grid e-flex e-con-boxed e-con e-parent\" data-id=\"80297e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-a015b5c e-con-full e-flex e-con e-child\" data-id=\"a015b5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-8832d43 e-con-full e-flex e-con e-child\" data-id=\"8832d43\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-4706c6b e-con-full e-flex e-con e-child\" data-id=\"4706c6b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-ba5b13e e-con-full e-flex e-con e-child\" data-id=\"ba5b13e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-21c0499 e-con-full e-flex e-con e-child\" data-id=\"21c0499\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-0ca8f8a e-con-full e-flex e-con e-child\" data-id=\"0ca8f8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div data-ka-cursor-size=\"1\" class=\"elementor-element elementor-element-1b6e7c6 elementor-posts--align-left post-grid elementor-grid-4 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"1b6e7c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;pagination_type&quot;:&quot;numbers&quot;,&quot;cards_columns&quot;:&quot;4&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;kng_cursor_interaction&quot;:&quot;default&quot;,&quot;kng_cursor_magnetic&quot;:&quot;none&quot;,&quot;kng_cursor_size_multiplier&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12920 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/new-construction-vs-existing-homes-financing-differences-buyers-should-know\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"436\" src=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/fltACvXfpMl85RNPqobi.jpg\" class=\"attachment-large size-large wp-image-12922\" alt=\"\" srcset=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/fltACvXfpMl85RNPqobi.jpg 1000w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/fltACvXfpMl85RNPqobi-300x164.jpg 300w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/fltACvXfpMl85RNPqobi-768x419.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/new-construction-vs-existing-homes-financing-differences-buyers-should-know\/\" >\n\t\t\t\tNew Construction vs Existing Homes: Financing Differences Buyers Should Know\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t\t<div class=\"elementor-post__read-more-wrapper\">\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/new-construction-vs-existing-homes-financing-differences-buyers-should-know\/\" aria-label=\"Read more about New Construction vs Existing Homes: Financing Differences Buyers Should Know\" tabindex=\"-1\" >\n\t\t\tContinue\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12890 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/how-property-taxes-affect-your-monthly-mortgage-payment\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"436\" src=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/JryVXWspJ7S8CNwgja5I.jpg\" class=\"attachment-large size-large wp-image-12892\" alt=\"\" srcset=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/JryVXWspJ7S8CNwgja5I.jpg 1000w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/JryVXWspJ7S8CNwgja5I-300x164.jpg 300w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/JryVXWspJ7S8CNwgja5I-768x419.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/how-property-taxes-affect-your-monthly-mortgage-payment\/\" >\n\t\t\t\tHow Property Taxes Affect Your Monthly Mortgage Payment\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t\t<div class=\"elementor-post__read-more-wrapper\">\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/how-property-taxes-affect-your-monthly-mortgage-payment\/\" aria-label=\"Read more about How Property Taxes Affect Your Monthly Mortgage Payment\" tabindex=\"-1\" >\n\t\t\tContinue\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12847 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/co-buying-a-home-how-joint-mortgages-work-friends-family-partners\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"420\" src=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/BV1swdJIChnvUZhssU1p.jpg\" class=\"attachment-large size-large wp-image-12884\" alt=\"\" srcset=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/BV1swdJIChnvUZhssU1p.jpg 1000w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/BV1swdJIChnvUZhssU1p-300x158.jpg 300w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/BV1swdJIChnvUZhssU1p-768x403.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/co-buying-a-home-how-joint-mortgages-work-friends-family-partners\/\" >\n\t\t\t\tCo-Buying a Home: How Joint Mortgages Work (Friends, Family, Partners)\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t\t<div class=\"elementor-post__read-more-wrapper\">\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/co-buying-a-home-how-joint-mortgages-work-friends-family-partners\/\" aria-label=\"Read more about Co-Buying a Home: How Joint Mortgages Work (Friends, Family, Partners)\" tabindex=\"-1\" >\n\t\t\tContinue\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12823 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/why-summer-is-still-the-busiest-homebuying-season-even-with-higher-rates\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"437\" src=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/ink-june-week-1-2nd-1-1024x559.jpg\" class=\"attachment-large size-large wp-image-12829\" alt=\"\" srcset=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/ink-june-week-1-2nd-1-1024x559.jpg 1024w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/ink-june-week-1-2nd-1-300x164.jpg 300w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/ink-june-week-1-2nd-1-768x419.jpg 768w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/ink-june-week-1-2nd-1-1536x838.jpg 1536w, https:\/\/demo.max.health\/inkmortgage.com\/wp-content\/uploads\/2026\/06\/ink-june-week-1-2nd-1-2048x1117.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/why-summer-is-still-the-busiest-homebuying-season-even-with-higher-rates\/\" >\n\t\t\t\tWhy Summer Is Still the Busiest Homebuying Season Even With Higher Rates\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t\t<div class=\"elementor-post__read-more-wrapper\">\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/blog\/why-summer-is-still-the-busiest-homebuying-season-even-with-higher-rates\/\" aria-label=\"Read more about Why Summer Is Still the Busiest Homebuying Season Even With Higher Rates\" tabindex=\"-1\" >\n\t\t\tContinue\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"16\" data-next-page=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-json\/wp\/v2\/posts\/6282\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/demo.max.health\/inkmortgage.com\/wp-json\/wp\/v2\/posts\/6282\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" 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