Best for
Business-purpose and mixed commercial property financing needs.
Down payment
Varies by asset type, loan size, and lender policy.
Occupancy
Commercial Property, Mixed Use, Investment Property
Is this for you?
When Commercial Loans tends to fit
You are financing a business-purpose, mixed-use, or commercial asset.
The property or deal structure is too specialized for a standard residential path.
You need a lender fit discussion before choosing a financing direction.
Qualification
Factors to review
Underwriting often includes property performance and business financial review.
Specialized lender programs
Supports complex property types
Often tailored deal structures
Trade-offs
Things to keep in mind
Commercial underwriting is typically more customized and can take more explanation than a standard residential file.
Rates, structure, and equity expectations vary by asset type and business context.
Related reading
Before you decide
mortgage basics
Fixed vs. adjustable-rate mortgages
Compare fixed and adjustable-rate mortgages side by side: how they work, what each costs over time, and which fits your financial goals.
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Facing Foreclosure? Your Options and How to Act Now
Foreclosure is the process of a lender seizing a property in accordance with the terms stipulated in the mortgage contract. Read about foreclosure and how to avoid it.
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Glossary of Terms
Dive into our detailed glossary of mortgage terms to deepen your understanding of real estate and lending. This resource is packed with essential definitions and insights for all homebuyers.
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