250 Years of America. Two Real Fee Breaks From Ternus.
I got out of the Marine Corps in 2001 and tripped into real estate by accident. Twenty-five years, $8B in transactions, and about 2,000 properties later, I still think about this business the way I thought about a deployment: know the mission, take care of your people, and don’t waste anybody’s time.
July 4, 2026 is 250 years since we declared independence. That’s not a marketing hook for me — I spent five years in uniform because I believe in what that date means. So when my team started talking about a July promotion, I didn’t want a gimmick. I wanted something that actually put money back in an investor’s pocket. Here’s what we landed on.
Two offers. Not one blended pitch.
No application fee on any loan over $100,000. The standard application fee is $250. Over $100K, it’s waived, subject to underwriting and final approval.
Processing fee capped at $250 on any loan over $150,000. No upper limit on loan size. A $200K loan and a $2M loan get the same cap.
These are two different fees, two different thresholds, and I want to be straight about that instead of mashing them into one soundbite. If your deal is $120,000, you get the app-fee waiver but not the processing cap. If it’s $180,000, you get both. If it’s under $100,000, neither applies and standard fees hold — I’d rather tell you that plainly than let you find out at the closing table.
Both run on every Ternus program, whether you come to us direct or through a broker, all through July 31, 2026.
Why we’re doing it this way
I’ve sat on both sides of the closing table — as the investor writing the check and now as the lender funding the file. The thing that always bugged me as a borrower was fee structures that felt designed to confuse, not to help. A discount that only shows up in the fine print isn’t a discount. It’s a trick.
So this is built simple on purpose: two numbers, two thresholds, no stacking, no fine print games. Dependability wins. That’s not a slogan we put on a slide — it’s the reason the offer looks the way it does.
The move
If you’ve got a deal in the $100K–$150K range, the app-fee waiver alone is real money back in your pocket before you’ve emailed the contract over. If you’re above $150K, both offers stack in your favor. Either way, the math is worth five minutes of your time this month.
Two hundred fifty years of this country building real wealth on real property. That’s the business I’m in. Let’s put a little more of it back in your hands this July.
— Tim
Subject to underwriting and final approval. Terms subject to change. Ternus Lending, LLC.
Estimated reading time: 3 minutes
