Commercial Mortgage Loans and Programs

Commercial Mortgage Loans

As a Commercial Mortgage Lender we offer a variety of loan programs. We not only offer Hard Money and Bridge loans, we also offer Agency, CMBS, Bank, Alternative, Soft Money and Private Money Small Balance Commercial Mortgages loans including construction programs.

Agency Commercial Mortgage Loans

Loans are for residential and residential mixed use properties, where the minimum loan is $750,000, the loan to value is 75% to 85% and the rates are usually the lowest rates in the market. These full document loans are almost always lower costs and lower rates than Bank programs and are non recourse. If you currently are financed through your local bank and want better terms consider our Agency financing program. The Agency Commercial Mortgage Loans are conventional financing for multifamily and mixed use properties.

Bank Commercial Mortgage Loans

Loans are for commercial real estate properties with a minimum loan amount of $300,000 for Residential and Mixed Use properties and $750,000 for all other property types. Loan to values range from 70% to 80% depending on the property type. Rates are good and compete favorably even with local bank programs. Our Nationwide Commercial Mortgage Loans offer opportunities where local banks may have limited funds or stricter guidelines.

Alternative Commercial Mortgage Loans

Loans are provided through portfolio small balance lenders that create their own guidelines that are more liberal than Banks and Agency financing. They offer stated income and bank statement programs for borrowers with good properties and good credit. Loan to values are 70% to 80% depending on property type. Rates are typically 2 to 3 points higher than Bank and Agency Programs. These funding options are a good alternative to Hard Money, Private Money and Bridge Loans. These are also called Soft Money Commercial Mortgage Loans.

Hard Money – Bridge – Private Money Commercial Mortgage Loans

Loans are the same category of financing. These are all short term asset based real estate funding programs. Usually credit is not an issue, the focus is on the property. Often used to rehab, lease up and stabilize property until the borrower can refinance the property into lower rate permanent financing. Also used for investors who improve the value and then sell the properties. Commercial Fix and Flip financing uses Hard Money – Bridge – Private Money options.

Multifamily Fix and Flip Funding

For purchases or refinances, we can fund Multifamily and Mixed Use fix and flip projects. These are short term loans to rehab multifamily or mixed use properties and the refinance or sell them. Low down payments  and vacant property ok. No minimum debt service coverage ratio. No minimum credit score option available.

Commercial Construction Mortgage Loans

We specialize in ground up construction financing of  Multifamily properties where we can offer up to 75% of the value of the land and up to 90% of the construction costs. We also offer construction financing for Mixed Use Residential, Hospitality, Retail and Medical related properties.

Second Mortgages Loans

We even offer second mortgages for small businesses who own commercial and or residential investment real estate. This program is a great way for small businesses to qualify for funding they might not have access to.  Learn More


To help determine how we can help you, use this FREE, interactive Commercial Loan Wizard which has been designed to assist you based on your individual Commercial Loan needs. It’s quick, it’s easy, and the more questions you answer – the more accurate your results!