Hannah HammondFounder & CEO, HB Capital & The Firm RE · CEO of HB Capital | Helping CRE Developers & Investors Fund Deals Nationwide | Host of The Hannah Hammond Show

One Of The Most Expensive Mistakes Investors Make? Sticking With One Bank Because It’s “Easy.”

Name: One Of The Most Expensive Mistakes Investors Make? Sticking With One Bank Because It’s “Easy.”
Uploaded: 2026-03-17T19:04:58+00:00
Duration: 40 s
Channel: Hannah Hammond
Description: In this video Hannah Hammond warns investors and developers against the common habit of always using the same bank simply because it’s convenient. She…

17 Mar 2026 · 1 min

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In this video Hannah Hammond warns investors and developers against the common habit of always using the same bank simply because it’s convenient. She explains that while a familiar bank already has the borrower’s files and relationship, there are thousands of other banks that may offer better terms—such as higher loan amounts, no personal guarantee, or rates that are hundreds of basis points lower. Hammond emphasizes that even a modest difference between a 5% and a 7% interest rate can translate into hundreds of thousands or millions of dollars over the life of a long‑term loan, making the “easy” choice an expensive mistake. She urges listeners to actively shop the market and compare offers to maximize project economics.

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A big mistake we see a lot of investors and developers make is they just go to the same bank all the time because it's easy. It's the path of least resistance. Bank has the file, they have the financials, they have the balance sheet, they have the deal, they have everything. They already have the relationship, and so they just keep lending with that bank. But they have no idea what other banks out there, out of the thousands and thousands of banks, might be like, actually, we'll lend you more money, we won't do a personal guarantee, we're going to give you a rate that's 200 basis points lower. Wow. And when you add those numbers into a project, I mean, we could be talking hundreds of we could be talking millions. These little numbers, if it's a 5% rate versus a 7% rate, that adds up, especially if you have a long-term loan.