Category Commercial Mortgage Refinance

Best Refinance Loans

 · Refinancing your student loans is one of the best options to help you become debt-free asap. Refinancing can save you a ton of money, both in the short and long-term. Each situation will be different but ideally, you want to get your different loans into one, low monthly payment.

Refinancing is swapping an existing loan for a new one. Under a refinancing agreement. Our number one goal is helping.

Use this refinance calculator to see if refinancing your mortgage is right for you. Calculate estimated monthly payments and rate options for a variety of loan terms to see if you can reduce your monthly mortgage payments.

2 major types of refinances: Rate-and-term refinancing to save money. typically, you refinance your remaining balance for a lower interest rate and a loan term you can afford. (The loan term is the number of years it will take to repay the loan.) Cash-out refinancing, in which you take out a new mortgage for more than what you owe.

Refinance Rates Help. Enter the remaining balance on your current loan. If you know your credit score, select the range that your score belongs to. The best rates and terms go to borrowers with credit scores of 740 and higher, and borrowers in the 720 to 739 range can get very good deals, too.

This site is best for people that are looking to find the lowest rates possible on a refinance or first time mortgage as it gives you a robust, comprehensive view of the market and includes many smaller mortgage lenders you may have overlooked.

The best thing about refinancing your mortgage is that you’ve been through the home loan process before – but a lot may have changed since then.

Best Mortgage Lenders for Refinancing of 2019. We’ve compiled a list of the top 12. Read through our short reviews to get an idea of what kind of products each one offers and how their process works. It’s a great resource for narrowing down your list of refinance lenders to consider.

10 Year commercial loan rates 10 Year Fixed Commercial Mortgage Rates Commercial real estate loan rates are at an all time low.. Lots of lenders offer both a fixed and variable rate for their loans.. too much from year to year, but it's hard to determine the payments over a ten or 20-year loan.Commercial construction loan rates are higher than permanent commercial loan rates because of the additional risks involved.. Lenders also charge higher rates on construction loans in order to provide incentive for borrowers to finish construction projects on time.. Your construction financing rates will depend upon many factors including:

Laurel Road is a Connecticut state-chartered bank that was established in 2006.. Laurel Road offers savings of up to $20,000+ on average to those who refinance and you can check your rates in minutes. They are a full-service bank that offers student loans, mortgages, personal loans, and.

Refinance Apartment Building Commercial Loan Refinance | Apartment Mortgage Refinancing. – Commercial Loan and Apartment Mortgage Refinance Commercial mortgage refinance is one of the main services offered by CLD. We offer a wide selection of financial products to assist you refinance your existing commercial real estate loans.

Business Loan Mortgage

Commercial mortgage payments are determined by four main factors: loan amount, interest rate, term, and collateral. How much you’re able to borrow depends on your net operating income, the type of real estate you’re using as collateral, and your property’s value in comparison to the loan amount.

What are Commercial Mortgages in the UK? Our local loan committee meets twice a week so that you can get a fast answer and get going with a low-interest rate mortgage loan.* Learn more about long-term commercial mortgage loans at Bank of American Fork by contacting a business banker or call 1-800-815-BANK (2265) today.

Information on The List was supplied by individual lenders through questionnaires and could not be independently verified in.

Monson – Monson Savings Bank is pleased to announce the appointment of David Babine as the bank’s newest Mortgage Loan.

The Delta Dental Pro-Am at the Rocket Mortgage Classic at the Detroit Golf Club got underway early Wednesday morning. Pro golfers including rickie fowler and Dustin Johnson teamed with local amateurs,

The zip code you entered is served by Citizens One, the brand name for Citizens Bank’s lending business outside of our 11state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit: CitizensOne.com

Best Commercial Loans 10 year commercial loan Rates For 2019, the average commercial real estate loan interest rate ranges from approximately 4% to 5%. Find out more about what the average commercial real estate loan rates are for different types of loans and projects.A commercial real estate loan is used by businesses to purchase, renovate, or refinance commercial properties. We’ve put together a list to find the best commercial real estate loan provider for any need, including retail shopping centers, office buildings, and mixed use buildings.10 Year Fixed Commercial Mortgage Rates Refinance Apartment Building Select Commercial | Commercial Mortgage | Apartment Loans – apartment building loan. apartment building lending and commercial property loans continues to be a major source of our commercial mortgage lending activities. A strong rental market and low vacancies allow us to be very aggressively priced on apartment building loans.Halifax has launched a selection of 10-year fixed rate mortgages targeted at home movers and borrowers switching from another lender. The 10-year fixed rates are available at 60 per cent loan-to-value.

Bankrate.com’s mortgage loan calculator can help you factor in PITI and HOA fees. You also can adjust your loan and down payment amounts, interest rate and loan term to see how much your.

Due to the foregoing, the payment schedule produced by the business loan calculator may differ from an actual payment schedule. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or calculations in connection with this business loan calculator.

Business Property Loan Rates SBI cuts interest rate on home loans up to Rs 30 lakh – the country’s largest lender state Bank of India on Friday announced a cut in interest rates by 5 basis points on its home loans up to Rs 30 lakh. In its sixth bi-monthly monetary policy review.

Quicken Loans received the highest score in the J.D. Power 2010 – 2018 (tied in 2017) Primary Mortgage Origination and 2014 – 2018 Primary Mortgage Servicer Studies of customers’ satisfaction with their mortgage sales experience and mortgage servicer company, respectively.

Part of the positive credit story involves low leverage in the strong collateral support our Farm & Ranch line of business..

Commercial Mortgage Interest Rates

Long-term, we expect interest rates to decline or at least stay. including loans sourced from distressed markets,

The floor loan is the minimum amount that a lender agrees to advance in order to enable the builder to commence the development of a commercial property. loans usually carry higher interest rates.

Questions About Reverse Mortgages? Please click on the link below to explore Choice Mortgage Bank, Inc.’s Reverse Mortgage Lending Center. Find Out About Reverse Mortgages

What Are Commercial Loan Interest Rates? Starting and running your own business takes hard work, time, and money. If you are an entrepreneur or a business leader in need of financial help, you are probably wondering about current commercial loan interest rates.

Business Property Loan Rates A Bank of America commercial real estate loan lets you purchase or refinance an owner-occupied business property or expand or remodel an existing facility. If you own property free and clear, you can also use a commercial real estate loan to leverage your equity to finance a variety of business needs.

Weekly average rates and points on 30-year fixed, 15-year fixed and 1-year adjustable rate mortgages, 1992-present. Historical graph for mortgage rates.

Whether you need a mortgage, jumbo mortgage, a home-equity mortgage, or a commercial mortgage, our goal is not to meet but exceed your expectations.

Commercial loan interest rates can move quickly with the market so many investors are constantly trying to stay on top of the most recent interest rates to know if they’re getting a good rate from their local lender or if they should shop around. Get commercial mortgage interest rate quotes from multiple lenders.

Annual Percentage Rate (APR) The cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. For home equity lines, the APR is just the interest rate.

“Low interest rates and strong property values continue to make commercial. while loans originated for commercial mortgage.

It may seem confusing at times, but remember that "points" are percentages that the lender pockets off the top. If your interest rate is 9 percent with two points, the real cost of borrowing the money is 11 percent.

The company has evolved from a mortgage REIT with a sizable agency MBS business into a diversified capital manager with a growing commercial real estate and. Annaly has a significant amount of.

Refinance Apartment Building Refinance Apartment Building – Real Estate South Africa – Contents Financing. direct commercial -operative apartment building simplified. apartment lending center mixed-income multifamily rental apartment building Lone oak fund Apartment Building financing. direct commercial Funding offers the financing investors and owners need to purchase, build, or refinance an apartment building.

*The above rates should only be used as a guide to get a quick overview of current commercial mortgage interest rates. Rates are subject to daily changes and vary greatly with different lenders and borrower types.

Best Commercial Loans

If your business needs a cash boost, you may be considering a small business loan. We’ve compared some of the best small business loans in the UK for 2019. Read more.

Private Commercial Loan Government Small Business Loans – How Do I Get One? – More about Government Small business loans. government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs.

Here are the best business loans and financing options available to small businesses. We highlight the best lenders for SBA loans,

Owner-occupied commercial loans. Use your equity to remodel or expand your growing business. Your commercial property offers perks like tax breaks and stability from unexpected rent increases with a fixed-rate loan.

10 Year Fixed Commercial Mortgage Rates Business Property Loan Rates A Bank of america commercial real estate loan lets you purchase or refinance an owner-occupied business property or expand or remodel an existing facility. If you own property free and clear, you can also use a commercial real estate loan to leverage your equity to finance a variety of business needs.The loan-to-value ratio on a typical apartment building loan will be between 75% – 80% and we offer fixed rates for up to 30 years. The loan-to-value ratio on a typical commercial mortgage loan will be 70% – 75% with terms up to 25 years.

Best Small Business Loans (Direct Lenders) Unlike peer-to-peer lenders, which fund loans via individual investors, direct lenders are funding your loan with their own capital, like a traditional bank. That means you may be able to get your money faster, but the APRs will likely be higher.

From small business loans to large commercial loans, rate estimate tools like the Bankrate.com calculator help businesses make a plan to invest in themselves. Take the business loan and interest.

How To Get Apartment Loans And Other Commercial Properties Commercial loans are there to help businesses looking to purchase a piece of real estate. While they do bear some similarities to a traditional.

The Best Small Business Loans of 2018. According to data from the U.S. Small Business Administration, small business bank loans totaled nearly $600 billion in 2015. At the same time, lending from alternative sources such as finance companies and peer-to-peer, or P2P, marketplace lenders amounted to $593 billion.

Mortgage Assets will acquire the stock and assets of the Company’s reverse mortgage business, reverse mortgage solutions. mortgage assets position us to maximize value and create the best path.

10 Year Commercial Loan Rates For 2019, the average commercial real estate loan interest rate ranges from approximately 4% to 5%. Find out more about what the average commercial real estate loan rates are for different types of loans and projects.

A commercial real estate loan is used by businesses to purchase, renovate, or refinance commercial properties. We’ve put together a list to find the best commercial real estate loan provider for any need, including retail shopping centers, office buildings, and mixed use buildings.

Reviews on Commercial Loans in Los Angeles, CA – Bill Rayman – Guaranteed Rate Mortgage, CRESTICO, Century 21 Hollywood, C and H Financial, Venegas .

Refinance Apartment Building Commercial Loan Refinance | apartment mortgage refinancing. – Commercial Loan and apartment mortgage refinance Commercial mortgage refinance is one of the main services offered by CLD. We offer a wide selection of financial products to assist you refinance your existing commercial real estate loans.

Apply for a Wells Fargo unsecured business loan (which includes Wells Fargo BusinessLoan Term loan or FastFlex Small Business Loan) account between 07/01/2019 – 12/31/2019, and upon approval, Wells Fargo will waive the $150 opening fee charged at funding.

10 Year Commercial Loan Rates

Most commercial mortgage have short terms, typically 5 – 10 years, with an. a 10-year term with a 25-year amortization means that your monthly loan payments .

For 2019, the average commercial real estate loan interest rate ranges from approximately 4% to 5%. Find out more about what the average commercial real estate loan rates are for different types of loans and projects.

DCU offers commercial mortgage loans for businesses that occupy their. Amounts from $100,000 to $5,000,000; Terms up to 10 years; amortization up to 25.

10 Year Fixed Commercial Mortgage Rates Commercial real estate loan rates are at an all time low.. Lots of lenders offer both a fixed and variable rate for their loans.. too much from year to year, but it's hard to determine the payments over a ten or 20-year loan.

Commercial construction loan rates are higher than permanent commercial loan rates because of the additional risks involved.. Lenders also charge higher rates on construction loans in order to provide incentive for borrowers to finish construction projects on time.. Your construction financing rates will depend upon many factors including:

Refinance Apartment Building Apartment Building Loans & Financing Options | Clopton Capital – Commercial Apartment Building Loan dilemmas: some real client case studies resolved by us. Case Study 1 – A cash out scenario: An apartment building owner structured in a corporation was exploring as to how refinancing options could help him realize some hard cash for a building he had owned for the past 10 years in Minnesota. Originally.

Looking to apply for a coe renewal loan for your used car? Let us help you do the COE Renewal. We accept 5-year and 10-year coe renewal. Inquire to know more.

Current & Historic Federal Student Loan Interest Rates. Since 2013, all federal student loan interest rates have been set based on the 10-year Treasury note. To learn more about how these rates are set, read the How congress sets federal student Loan Interest Rates section below.

Freddie Mac’s (OTCQB: FMCC) Primary Mortgage Market Survey ®, out Thursday, reported that the 30-year fixed-rate mortgage has fallen to a 10-month low. Said Sam Khater, Freddie Mac’s chief economist,

In this Friday, March 29, 2019, photo people walk by an apartment for sale in Jersey City, N.J. On Thursday, April 4, Freddie Mac reports on this week’s average U.S. mortgage rates. year. Mortgage.

Business Property Loan Rates A Bank of America commercial real estate loan lets you purchase or refinance an owner-occupied business property or expand or remodel an existing facility. If you own property free and clear, you can also use a commercial real estate loan to leverage your equity to finance a variety of business needs.

Commercial Real Estate Loans Apply for a Wells Fargo unsecured business loan (which includes Wells Fargo BusinessLoan Term loan or FastFlex Small Business Loan) account between 04/01/2019 – 06/30/2019, and upon approval, Wells Fargo will waive the $150 opening fee charged at funding.FastFlex Small Business Loans require an existing Wells Fargo Business Demand Deposit account for at least 12 months to qualify.

View the latest 10-year and 20-year fixed rates for SBA 504 loans from SPEDCO, Minnesota & Western Wisconsin’s preferred certified development company.

10-yr2, 0, 3.750%, 3.912%, 120 monthly payments of $10.01. NON- CONFORMING JUMBO FIXED Mortgage Loan Rates. Product1, Points, Interest rate.

AIB has reduced its fixed mortgage interest rates and introduced a new 10-year fixed rate for customers. The bank has cut its rates on one, two, three, four, five and seven year mortgage products, and.

10 Year Fixed Commercial Mortgage Rates

4. CMBS (Commercial Mortgage backed security) loan interest rates: 5.15% – 5.45% 5 or 10 Year Fixed. What are commercial mortgage backed security (CMBS) loans? These loans are bundled with loans with the same maturity in mortgage pools and sold as mortgage backed serurities on wall street. The rates are tied into 5 and 10 year treasury yields.

Commercial real estate loan rates are at an all time low.. Lots of lenders offer both a fixed and variable rate for their loans.. too much from year to year, but it's hard to determine the payments over a ten or 20-year loan.

DCU offers commercial mortgage loans for businesses that occupy their property or. up to 10 years; Amortization up to 25 years – 30 for residential properties.

Contents Causing interest rates Online pre-approval tool Commercial mortgage lending. long roughly .4 trillion The average contract interest rate for 30-year fixed-rate mortgages with conforming. causing interest rates to rise. Mortgage rates loosely follow the yield on the 10-year U.S. Treasury.

This is a 10 year fixed rate mortgage with a balloon payment at maturity. The loan is amortized over 30 years with the balance due and payable in full at the time.

Business Property Loan Rates A Bank of america commercial real estate loan lets you purchase or refinance an owner-occupied business property or expand or remodel an existing facility. If you own property free and clear, you can also use a commercial real estate loan to leverage your equity to finance a variety of business needs.

The loan-to-value ratio on a typical apartment building loan will be between 75% – 80% and we offer fixed rates for up to 30 years. The loan-to-value ratio on a typical commercial mortgage loan will be 70% – 75% with terms up to 25 years.

A 10-year fixed mortgage is a loan with a term of 10 years whose interest rate stays the same for the duration of the loan. For example, on a 10-year mortgage of $300,000 with a 20% down payment and an interest rate of 3%, the monthly payments would be about $2,315 (not including taxes and insurance).

Accord Mortgages has become the latest lender to launch a 10-year fixed rate mortgage. The deal offers homebuyers with a 25 per cent deposit a rate of 2.49 per cent with free standard valuation and a.

Terms over 5 years up to 10 years full amortization, 5.25%. 15 year term fixed rate, 5.50%. Commercial. 20 year amortization with 5 year balloon payment**, 5.25.

Refinance Apartment Building Select Commercial | Commercial Mortgage | Apartment Loans – apartment building loan. apartment building lending and commercial property loans continues to be a major source of our commercial mortgage lending activities. A strong rental market and low vacancies allow us to be very aggressively priced on apartment building loans.

Halifax has launched a selection of 10-year fixed rate mortgages targeted at home movers and borrowers switching from another lender. The 10-year fixed rates are available at 60 per cent loan-to-value.

Private Commercial Loan Best Unsecured Business Loans of 2019 | U.S. News – Before getting an unsecured business loan, weigh the costs against the benefits to make sure it’s a sound choice. While unsecured business loans don’t require collateral and have a quick approval process, an unsecured business loan also is typically costlier for the borrower, with higher interest rates and personal guarantees.

Private Commercial Loan

Real Estate – Loan | Commercial Lending, LLC – Fix and Flip. Commercial Lending, LLC is a great choice for financing your next single-family residential real estate investment. As a private direct lender, we work with.

Best Unsecured Business Loans of 2019 | U.S. News – Before getting an unsecured business loan, weigh the costs against the benefits to make sure it’s a sound choice. While unsecured business loans don’t require collateral and have a quick approval process, an unsecured business loan also is typically costlier for the borrower, with higher interest rates and personal guarantees.

Start a Commercial Loan Broker Business – BrandonGaille.com – Commercial loan brokers act as an intermediary. What they do is act as a liaison between borrowers and lenders so that the right commercial loan can be obtained. Brokers can work independently on their own, start their own firm, or contract their services to consult on certain projects. Sometimes.

Bank Loans vs. Private Lender Loans – Business Know-How – Bank Loans vs. Private Lender Loans by Joseph Lizio Last Updated: Apr 30, 2019 When you’re trying to get a loan to grow your business, is it better to borrow from a bank or a private lender? Here are some pros and cons of each to consider.

How to get a student loan for college or grad school – Keep reading for the step-by-step process. The specifics around student loans can be complex, but the first thing to understand is that there are two main types: federal and private. Federal student.

Refinance Apartment Building Trez Forman Funds $8 Million Value-Add Acquisition Loan for 106-Unit Apartment Community in Jacksonville – Built in 1972, the Beauclerc Bay Apartments features nine 1-and-2-story buildings on three acres of land. Trez Forman provides commercial bridge loans for development and construction and senior.

Loan Partners – Private Real Estate Lender – Loan Partners is a real estate investment group and private portfolio lender providing capital for commercial real estate ventures.

Private Business Loans – Shield Funding – Private business loans are a great funding option if you require cash for your existing business and you do not qualify for traditional business loans or do not have the time to wait through the lengthy bank loan process but you do require competitive rates.

Business Property Loan Rates There’s no down payment on a home equity loan. What’s more, you can typically get a low interest rate – regardless of what you plan to do with the land – because your home secures the loan.

7 smart ways you can use a home equity loan to build wealth – If you have a high-interest personal loan, auto loan, or private student loan and have a lot of equity. If you are angling to become a landlord or purchase commercial property this year, you can.

Interest rates on commercial loans are generally higher than on residential loans. Also, commercial real estate loans usually involve fees that add to the overall cost of the loan, including.

Government Small Business Loans – How Do I Get One? – More about Government Small business loans. government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs.

Business Property Loan Rates

Commercial Loan Rates | Commercial Loans – Commercial. – Life companies offer commercial real estate loans at rates that are only 0.35% to 0.50% higher than the prime residential mortgage rate – defined as the market rate for 30-year home loans. Therefore, if 30-year home loans are going for 3.75%, life companies will be making commercial real estate loans at 4.10% to 4.25%. That’s the good news.

Calculator Rates Commercial Property Loan Calculator. This tool figures payments on a commercial property, offering payment amounts for P & I, Interest-Only and Balloon repayments – along with providing a monthly amortization schedule. This calculator automatically figures the balloon payment based on the entered loan amortization period.

Commercial Property Loans – ING – Commercial property loans between $250,000 and $3,000,000. commercial fixed rate loan Take advantage of a competitive interest rate, with flexible features and no ongoing fees.

There’s no down payment on a home equity loan. What’s more, you can typically get a low interest rate – regardless of what you plan to do with the land – because your home secures the loan.

SBI cuts interest rate on home loans up to Rs 30 lakh – the country’s largest lender state Bank of India on Friday announced a cut in interest rates by 5 basis points on its home loans up to Rs 30 lakh. In its sixth bi-monthly monetary policy review.

Refinance Apartment Building Should You Refinance Your Apartment Building? – By Bud Smythe. – Currently, interest rates for the financing of income producing property are at an all time low which offers the apartment building owner the opportunity to refinance their property. In the past, adjustable rate mortgages were the most predominant loans offered by the banks.

Commercial Property Mortgage Loan Financing Alternatives Toronto Ontario Canada Learn average commercial real estate loan rates and how they can change. business owners to purchase or refinance commercial property.

A Bank of America commercial real estate loan lets you purchase or refinance an owner-occupied business property or expand or remodel an existing facility. If you own property free and clear, you can also use a commercial real estate loan to leverage your equity to finance a variety of business needs.

You can leverage your property for a business equity loan with good rates and terms, but you may risk losing that property if you default.

Compare Commercial Mortgages | Online Calculator & Rates. – Commercial mortgage rates are different than that of a residential or buy to let mortgage. Lenders do not have set rates based on Loan to Value (LTV), or the applicant(s) risk. Each business is reviewed individually on its circumstances.

Commercial Mortgages for Business Property Finance. – Mortgages for business generally require a deposit of around 25% to 40%, but in some cases you may be able use another property as security, provided you have considerable equity in it. Most commercial mortgage rates are variable and you’ll be able to choose from.

Refinance Apartment Building

Spend an afternoon poring over online apartment listings, and you’ll see them: flashy ads urging you to “rent to own” a home instead of just renting.

Ginsburg Development gets $31.5M refinancing package for White Plains apartment building – A developer that bought a 124-unit apartment building in White Plains last year has secured a $31.5 million refinancing package for the complex, the Westchester County Business Journal reported. The.

Apartment Building Financing – Refinance or Purchase – Do you need apartment building financing? If you are looking for funds to purchase or refinance your apartment building, then you have come to the right place. Keep reading below and make sure to review JVC’s new apartment building financing program. JVC’s current program has competitive commercial bridge loan rates and great terms.

Apartment Building Loans & Financing Options | Clopton Capital – Commercial Apartment Building Loan dilemmas: some real client case studies resolved by us. Case Study 1 – A cash out scenario: An apartment building owner structured in a corporation was exploring as to how refinancing options could help him realize some hard cash for a building he had owned for the past 10 years in Minnesota. Originally.

Commercial Loan Refinance | Apartment Mortgage Refinancing. – Commercial Loan and Apartment Mortgage Refinance Commercial mortgage refinance is one of the main services offered by CLD. We offer a wide selection of financial products to assist you refinance your existing commercial real estate loans.

Refinance Apartment Building – Real Estate South Africa – Contents Financing. direct commercial -operative apartment building simplified. apartment lending center Mixed-income multifamily rental apartment building Lone oak fund Apartment Building financing. direct commercial Funding offers the financing investors and owners need to purchase, build, or refinance an apartment building.

$51 Million in Refinancing for Two L.A. Apartment. – El Segundo mortgage company Venture West Funding Inc. announced Tuesday it arranged nearly $51 million in loans to refinance two newly-constructed apartment buildings totaling 120 units.

Select Commercial | Commercial Mortgage | Apartment Loans – Apartment Building Loan. Apartment building lending and commercial property loans continues to be a major source of our commercial mortgage lending activities. A strong rental market and low vacancies allow us to be very aggressively priced on apartment building loans.

Should You Refinance Your Apartment Building? – By Bud Smythe. – Currently, interest rates for the financing of income producing property are at an all time low which offers the apartment building owner the opportunity to refinance their property. In the past, adjustable rate mortgages were the most predominant loans offered by the banks.

Trez Forman Funds $8 Million Value-Add Acquisition Loan for 106-Unit Apartment Community in Jacksonville – Built in 1972, the Beauclerc Bay Apartments features nine 1-and-2-story buildings on three acres of land. Trez Forman provides commercial bridge loans for development and construction and senior.