Financing Solutions for Your
Commercial Real Estate Goals
Financing built to help you buy, refinance, or grow commercial properties.
We provide flexible commercial real estate loans that help investors, developers, and business owners acquire, refinance, or expand income-producing properties.
Commercial
What is a
Commercial Real Estate Loan?
A commercial real estate (CRE) loan is financing for income-producing properties, such as office buildings, retail centers, industrial warehouses, or multi-family residential units.
Unlike residential mortgages, CRE loans consider the income potential of the property, its location, and market value rather than just personal income.
Use a CRE Loan To:
-
- Purchase commercial property for business or investment
- Refinance existing commercial loans
- Acquire multi-family or mixed-use properties
- Expand or renovate income-producing properties
At New Century Mortgages, our loan solutions are designed for speed, flexibility, and Commercial building needs.
Quick Benefits
- Flexible Loan Structures
- Leverage Your Property
- Competitive Rates & Terms
- Financing for Various Property Types
- Fast Approvals & Closings
- Expert Guidance
Frequently Asked Questions
What types of properties qualify for commercial loans?
Most income-producing properties, including office buildings, retail centers, industrial warehouses, and multi-family residential units.
How is a commercial loan different from a residential loan?
CRE loans are based primarily on property income and value, rather than the borrower’s personal income.
How long does it take to close a commercial loan?
Closings typically take 30–60 days, depending on property complexity and documentation.
Can I refinance an existing commercial property?
Yes, we offer refinancing options to lower rates, reduce payments, or fund renovations.
What are the typical terms and interest rates?
Terms vary by property type, loan amount, and market conditions, but we provide flexible structures tailored to your investment goals.
Can I finance multi-property or mixed-use projects?
Absolutely — we can structure loans for complex portfolios, multi-unit, or mixed-use developments.
Loan Programs
Our Loan Programs
New Century Mortgages offers a full suite of asset-based lending solutions for serious real estate investors. Whether you're holding, flipping, or bridging to your next deal, we have capital ready to deploy.
DSCR Loans
Qualify based on property cash flow, not personal income. No minimum DSCR required. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
New Construction
Ground-up construction financing for experienced builders. Build to rent or build to sell. Competitive terms for infill development.
Hard Money / Asset Based
Loan decisions based on property value, not credit. Construction draws in 4 days. Quick approvals for time-sensitive deals.
Portfolio Loans
Consolidate 5+ rental properties into one loan. Single payment, better cash flow. Lower rates and origination fees.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, industrial. Financing for stabilization and value-add projects.