3 reasons why CMAC

secures lower rates than an

independent borrower.

Because…

“CMAC created hundreds of thousands of dollars of additional savings for our group, even after we had

just negotiated a large rate reduction with our bank. They had knowledge of market rates, and were

able to use that leverage to negotiate the best deal.”

Scott Guyton, CEOOrthopaedic Specialists

of the CarolinasWinston-Salem, NC

CMAC’s hundreds of closings totaling

more than a billion dollars gives

CMAC unparalleled clout in the

market.

When CMAC speaks, banks listen!

1CMAC’s LOAN VOLUME

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“There are many good reasons we’ve used CMAC

on multiple occasions; they consistently push rates

down to levels we could not achieve on our own.”

Karl Stein, CEO Raleigh Orthopaedics

Raleigh, NC

CMAC’s ability to issue bonds creates

substantial pressure on banks to

lower their rates in order to compete

with the low-price bond option.

It is not important to know how

bonds work, what is important is

that the banks understand and

respond with better pricing.

2CMAC CAN iSSUE BONDS

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“Hiring CMAC was a great investment for our group!

Their ability to vet the market and select among

the best proposals gave our partners the comfort that

they truly got the best deal possible.”

Jim CarrierCarolina Orthopaedic

SpecialistsHickory, NC

CMAC uses pricing from its most

competitive proposals across the

country to lower your rates locally.

We empower local bankers by

making them aware of the most

favorable terms within their bank

across the country.

3CMAC DEALS ON A NAtiONAL LEVEL

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Let’s Do The Math…

• CMAC lowers rates by an average of

0.71%.*

• Borrowers netted an improvement

of 0.57% after fees.**

• On a 10-year $10 million dollar loan,

that’s a net savings of more than a

half million dollars.

*Sampling of 14 borrowers who had been provided

quotes on refinancing prior to their engaging CMAC.

**CMAC fees on loans having 10-year terms was 0.14%

annually.