Commercial
Owner Occupied Commercial Real Estate
Secure your future and grow your business with CMRE's Owner Occupied Commercial Real Estate loan program. We provide flexible financing solutions for business owners looking to purchase or refinance commercial properties they operate from, with rates starting at 8.5%. Unlock the potential of your business by owning your real estate.
Program Benefits
Competitive rates starting at 8.5% to help you manage your cash flow.
Build equity in a valuable asset and secure your business's future.
Take advantage of potential tax benefits associated with commercial property ownership.
Customize your property to perfectly suit your business needs.
Fixed and adjustable-rate options available to match your financial strategy.
Work with experienced commercial real estate loan specialists who understand your business.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Warehouses
- Light Industrial
- Mixed-Use Properties
Program Requirements
Income Documentation
- •Consistent business revenue supported by tax returns and financial statements.
- •Demonstrated ability to repay the loan based on cash flow analysis.
- •Personal income verification through W-2s or tax returns if applicable.
- •Stable business operation with a history of profitability.
Asset Verification
- •Sufficient liquid assets to cover down payment and closing costs.
- •Existing business assets that can be used as collateral if needed.
- •Personal assets demonstrating overall financial strength.
- •Clear documentation of asset ownership and valuation.
Insurance & Title
- •Commercial property insurance to protect against damage and liability.
- •Business interruption insurance to cover lost income during unforeseen events.
- •Liability insurance to protect against potential lawsuits.
- •Flood insurance if the property is located in a designated flood zone.
Property Requirements
- •Minimum FICO score of 640 or higher.
- •Strong business credit history with no recent bankruptcies or major delinquencies.
- •Personal credit history demonstrating responsible financial management.
- •Low debt-to-income ratio across both personal and business finances.
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
The typical down payment ranges from 20% to 25% of the property's purchase price, but it can vary depending on the lender, the borrower's creditworthiness, and the specific property.
Yes, refinancing is possible. You can refinance to obtain a lower interest rate, change the loan term, or access equity for business improvements or other investments.
Eligible properties include office buildings, retail spaces, warehouses, light industrial facilities, and mixed-use properties where the majority of the space is used for your business operations.
Your personal credit score is a significant factor in the loan approval process. A higher credit score generally leads to more favorable loan terms and interest rates. CMRE requires a minimum FICO of 640.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
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."
