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In today’s rapidly changing and complex financial environment, it is often difficult for borrowers to be constantly aware of the financing that best suits their needs. By maintaining a reliable working relationship with a full range of lenders nationwide and with a thorough understanding of commercial loan programs available in the market today, Commercial Mortgage Associates has the ability to provide the borrower with a wide range of financing opportunities to help achieve their long term goal.

Loan Programs & Features

  • Short Term Fixed Rate Mortgages In commercial real estate financing, short term fixed rate mortgages are designed to keep your starting mortgage payments affordable; typically for the first five years. These mortgages offer the advantage of a very attractive fixed rate maximizing cash flow. This is the most popular program in commercial real estate lending today.
  • Long Term Fixed Rate Mortgages With a long term fixed rate mortgage your interest rate; principal and interest payments, will remain constant during the entire life of your mortgage, resulting in predictable costs. You will never need to be concerned with the uncertainty of a rate change.
  • No Income Verification This program offers financing to borrowers in a special situation who do not wish to provide tax returns or pay stubs to check income. We accept income as stated and only confirm employment. Typically this program is limited to specific commercial properties
  • Up to 100% Loan to value for owner occupied - If you will be purchasing real estate to operate your primary business we can arrange to finance closing costs & working capital, too!
  • Poor credit programs - If you have had some credit issues in the past and your credit score just isn't where it should be, we have a program for you.
  • Interest Only- You pay no principle on the loan amount, interest only; therefore minimizing your monthly payments and maximizing cash flow.
  • Construction financing - We can provide land acquisition, construction and permanent financing for those building from the ground up at very competitive rates and sensible closing costs.
  • Hard money - Quick, easy and minimal documentation is required when you don’t mind paying a higher rate to meet a specific need or to avoid missing out on a time sensitive opportunity.
  • Small business loans - If you are only buying the business and not the real estate, we are still interested; providing the business has a good operating history.
  • Equipment financing & Lines of Credit - If your business is looking to expand to keep up with your industry, we have lots of options for you to explore.
  • Asset Based Lending & Factoring- Is your company in need of working capital? We know how to access multiple resources to help your business succeed
  • Non-recourse financing – The Borrower is not personally liable for this loan type. If the borrower defaults, the lender/issuer can seize the collateral, but the lender's recovery is limited to the collateral.
  • Minimum prepayment penalty - We offer specific programs where the prepayment penalty can be minimized and in some cases eliminated so you will not be subject to the uncertainty of a costly penalty when you sell or refinance.
  • Secondary financing permitted - In some cases we can permit the seller to hold a second mortgage, therefore allowing you to reduce your initial down payment. This is usually limited to borrowers who are purchasing real estate where they will operate their primary business
  • 30 year amortization - The longer the amortization, the lower your monthly payment. This is ideal for properties where you are looking for maximum cash flow and paying down the principle balance is not an immediate concern.
  • and more…

If you are an investor interested in learning more about our variety of loan programs please contact us. We look forward to hearing from you. Let us show you the way to successful commercial real estate financing. . >> Contact us today!

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