A: A First Position Commercial Mortgage (FPCM) is a simple and secured opportunity for individuals to achieve their financial objectives. This private third-party loan provides higher returns with shorter terms secured by commercial real estate. Private lenders – with expert guidance and insight from us – selects a commercial mortgage that our affiliate has in inventory to serve as collateral for their private loan. You are recorded on the property title and acquire a first lien position on the mortgage. Every lender is paid monthly interest from the moment they partner with us at a fixed annual 5% rate of return. Your principal is returned at the end of the one-year term.