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Commercial Mortgage Rates

Commercial mortgage rates are complex and commercial mortgage rates are directly affected by the risk the lender perceives in your mortgage application. Commercial mortgage rates are actually set by the lenders underwriter based on the risk perceived in your specific loan application. Because commercial mortgage rates are specific both to the lender and to the risk factors in your specific application, most commercial lenders do not publish commercial mortgage rates. In the residential mortage market, every lender publishes rates on a daily basis and I can price those loans quickly and easily once I know just a few pieces of information. I maintain access to several mortgage rates search engines and am able to get an accurate rate quote in moments. If the rate looks good, I lock your rate and we move forward. Email commercial mortgage rates questions.

In the commercial mortgage world, unfortunately, it is not so simple given that commercial mortgage rates are based on risk and an underwriter will not be able to determine the exact level of risk until a full application for a commercial mortgage is received. To make this as seamless as possible, my process for obtaining commercial mortgage rates is a bit different. I can still run your scenario through the mortgage search engines to get "ballpark" or "as low as" commercial mortgage rates. From there, we can select several lenders who are appropriate for your situation, gather some specifics, but not a full application, and send that directly to the lender's underwriter who will price the loan. The lender will issue a Conditional Approval with pricing. At this point, your rate is subject to change based on any additional risk factors discovered in the application and appraisal processes. In the real world, if an appraisal of other issue comes up during the application process, a residential application is simply declined. In the Commercial world, any issue will generally cause the rate or terms to be changed, but very infrequently will the application be declined.

Once I get some basic information by having you complete the appropriate forms below, I usually can get a conditional approval with pricing from the underwriter who most likely will be the one underwriting your application in 24-48 hours. Please complete the forms and we will get started.

New loan pricing request AND

Apartment (5 units or more) questionnaire


Commercial property questionnaire

I also offer reduced documentation business equipment leasing

As an alternative, call me at (888) 648-1714 and we can complete the forms by phone.

As a Certified Commercial Loans Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

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