Commercial
Hotel Loans in San Jose, CA
San Jose homebuyers trust Custom Mortgage for their Hotel Loans needs. With deep knowledge of the local market, from Evergreen to Willow Glen, we provide tailored solutions with rates as low as 8.5%.
Key Facts About Hotel Loans
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE Hotel Loans ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Hotel Loans.
CMRE Hotel Loans closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates starting at 8.5% for qualified borrowers.
Financing available for both franchised (flagged) and independent (non-flagged) hotels.
Flexible loan terms to suit your specific investment strategy.
Expert guidance from experienced commercial real estate professionals.
Streamlined application process for efficient loan approval.
Unlock the potential of your hotel property with strategic financing solutions.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
$500K - $20M+
Amortization Options
Eligible Properties
- Flagged Hotels
- Independent Hotels
- Motels
- Boutique Hotels
Program Requirements
Income Documentation
- •Detailed historical income statements for the hotel.
- •Projected income statements based on market analysis.
- •Franchise agreements (if applicable).
- •Occupancy rates and average daily rate (ADR) data.
Asset Verification
- •Appraisal of the hotel property by a qualified appraiser.
- •Balance sheets for the borrowing entity.
- •List of all assets owned by the borrowing entity.
- •Proof of funds for down payment and closing costs.
Insurance & Title
- •Property insurance policy with adequate coverage.
- •General liability insurance policy.
- •Business interruption insurance policy.
- •Flood insurance (if applicable).
Property Requirements
- •Minimum FICO score of 640.
- •Credit report for all principals of the borrowing entity.
- •History of on-time payments.
- •No recent bankruptcies or foreclosures.
Hotel Loans in San Jose: The Complete Guide
What Is Hotel Loans?
Hotel loans are a specialized type of commercial real estate financing designed to help investors and operators acquire, refinance, or improve hotel properties. These loans consider the unique characteristics of the hotel industry, such as seasonality, occupancy rates, and revenue per available room (RevPAR). Lenders typically assess the historical and projected performance of the hotel, as well as the borrower's experience and management capabilities.
Qualifying for Hotel Loans
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Hotel Loans vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Hotel Loans with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Hotel Loans in San Jose, CA
San Jose mortgage lending for Silicon Valley homebuyers. Jumbo, conventional, and Non-QM programs. Custom Mortgage & Real Estate specializes in providing high-fidelity Hotel Loans solutions tailored to the unique economic landscape of San Jose and the surrounding Santa Clara County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Jose metropolitan area.
Service Areas & Neighborhoods
Our San Jose Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Hotel Loans in San Jose
What are current Hotel Loans rates in San Jose, CA?
Hotel Loans rates in San Jose depend on loan amount, credit profile, and property type. CMRE publishes updated San Jose rate ranges daily and provides locked quotes within 24 hours of application.
How long does Hotel Loans closing take in San Jose?
CMRE typically closes Hotel Loans loans in San Jose within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in San Jose?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in San Jose and throughout Santa Clara County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in San Jose?
Yes. CMRE is an SBA Preferred Lender in San Jose. We offer SBA 7(a), 504, and Express loans for Santa Clara County business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Hotel loan terms typically range from 5 to 25 years, depending on the lender and the borrower's preferences. Shorter-term loans may have lower interest rates but higher monthly payments, while longer-term loans may have higher interest rates but lower monthly payments.
The maximum LTV ratio for a hotel loan typically ranges from 65% to 75%, depending on the lender and the specific circumstances of the transaction. A lower LTV ratio may result in more favorable loan terms.
Hotel loans can have either fixed or variable interest rates. Fixed-rate loans provide stability and predictability, while variable-rate loans may offer lower initial rates but are subject to fluctuations in the market. The choice between fixed and variable rates depends on the borrower's risk tolerance and market outlook.
CMRE Hotel Loans starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
30-60 days depending on complexity. SBA: 45-90 days.
Hotel Loans by Location
Get local rates, loan limits, and market data for Hotel Loans in your area.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
