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
DSCR Loans
Qualify on the property's cash flow, not your tax returns. No personal income documentation. Up to 80% LTV. 30-year fixed, ARM, and interest-only options. Vesting in LLC, LP, or personal name accepted. 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.
Portfolio Loans
Consolidate five or more rental properties into a single loan. One payment, one closing, one set of conditions. Lower rates and origination fees than financing each property separately.
Hard Money / Asset Based
Loan decisions made on the property, not the credit report. Pure asset-based underwriting with rapid close. For time-sensitive acquisitions and complex situations. Rates from 8.5%.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add financing. Bridge-to-perm structures available. Loan amounts from $250,000 to $25,000,000+.