Commercial Mortgages for Office Buildings, Hotel Properties & More

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Commercial mortgages

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Commercial mortgages and real estate loan types:

A commercial mortgage is a loan that is made using real estate as collateral in order to guarantee repayment.

There's a wide range of commercial mortgages available for your business to use. In order to help you pick the best option, we've listed several options for you so that you can make an informed decision. We invite you to search our search engine to check out all of the different options available to you.

Commercial mortgages can be used for the following:

Shopping centers, industrial buildings, office buildings
Golf courses, resorts, hotels, parking garages, car washes
Construction loans, ground leases, seconds, wraparounds, etc.

Capital Type	Capital Type Definition
Acquisition and Development	Raw land infrastructure development (streets, utilities, etc.)
Adjustable Commercial Mortgage	Interest moves with a specific index (Prime, T-Bills, etc.)
Construction Mini-Perm	Construction with 3 to 5 year loan, usually on income property.
Construction Loan with Take-out	Construction with pre-arranged takeout loan in place.
Fixed Rate Commercial Mortgage	Interest Rate remains constant throughout the term.
Hard Money Loan	Loans from private lenders based primarily on the hard asset value (commercial building, vacant land, etc.).
Interim Loan	A short term (2 yrs or less), bridge or project type loan.
Joint Venture	A financial partner in the development of real estate.
Participating Mortgage	Lender receives a kicker for gross income above a preset level.
Real Estate Sale and Leaseback	Lender purchases land and leases back to borrower (generally developer) for a fixed rent plus other considerations. Mortgages are issued on leasehold at market rates. Usually, produces more dollars than a mortgage.
Second Mortgage (Commercial)	Loan secured by equity behind that of the first lien.
Wraparound	Lender makes a second mortgage and assumes the first mortgage.

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