Commercial
Warehouse Line of Credit in Austin, TX
Austin homebuyers trust Custom Mortgage for their Warehouse Line of Credit needs. With deep knowledge of the local market, from East Austin to Downtown, we provide tailored solutions with rates as low as 8.5%.
Key Facts About Warehouse Line of Credit
CMRE Warehouse Line of Credit ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Warehouse Line of Credit.
CMRE Warehouse Line of Credit closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Warehouse Line of Credit ranges $250K to $50M.
CMRE commercial bank statement programs for Warehouse Line of Credit.
CMRE Warehouse Line of Credit closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates starting at 8.5% to maximize profitability.
Flexible funding options to support a variety of loan products.
Streamlined approval process for quick access to capital.
Dedicated support team to guide you through every step.
Increase your lending capacity and market reach.
Manage cash flow effectively and capitalize on opportunities.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
Varies based on needs
Amortization Options
Eligible Properties
- N/A
Program Requirements
Income Documentation
- •Demonstrated history of successful loan origination.
- •Detailed business plan outlining growth strategy.
- •Financial projections demonstrating repayment capacity.
Asset Verification
- •Sufficient liquid assets to cover initial funding needs.
- •Adequate collateral to secure the line of credit.
- •Diversified loan portfolio to mitigate risk.
Insurance & Title
- •Comprehensive insurance coverage on all properties funded through the line of credit.
- •Errors and omissions insurance to protect against potential liabilities.
- •Fidelity bond coverage to safeguard against employee dishonesty.
Property Requirements
- •Minimum FICO score of 640.
- •Strong credit history with no recent bankruptcies or foreclosures.
- •Satisfactory debt-to-income ratio demonstrating responsible borrowing.
Warehouse Line of Credit in Austin: The Complete Guide
What Is Warehouse Line of Credit?
A warehouse line of credit is a crucial tool for mortgage lenders, providing the necessary funds to originate loans before they are sold into the secondary market. This allows lenders to continue funding new mortgages without tying up their capital, enabling them to scale their operations and meet the demands of the market.
Qualifying for Warehouse Line of Credit
- •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.
Warehouse Line of Credit 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 Warehouse Line of Credit 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.
Warehouse Line of Credit Comparison: Commercial vs SBA vs Residential
- •Commercial loans are underwritten on property net operating income (NOI) with typical DSCR requirements of 1.20x-1.25x. SBA loans offer lower down payments (10%) for owner-occupied commercial but require agency approval adding 15-30 days.
- •CMRE commercial bank statement programs allow self-employed borrowers to qualify using 12-24 months of business bank statements instead of tax returns and financial statements, significantly simplifying the documentation process.
- •For mixed-use properties (commercial + residential), CMRE evaluates which program structure provides the best terms. Properties with 51%+ commercial use qualify for commercial lending; properties with 51%+ residential may qualify for more favorable residential terms.
- •CMRE structures commercial loans with flexible terms: 5, 7, or 10-year fixed periods with 25-30 year amortization, interest-only options for cash flow optimization, and prepayment structures tailored to your business plan.
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 →Warehouse Line of Credit in Austin, TX
Local Austin mortgage experts. Fast closings for the competitive Austin housing market. Custom Mortgage & Real Estate specializes in providing high-fidelity Warehouse Line of Credit solutions tailored to the unique economic landscape of Austin and the surrounding Travis County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireAustin metropolitan area.
Service Areas & Neighborhoods
Our Austin Presence
Local Knowledge. Global Rates.
111 Congress Ave
Austin, TX 78701
Direct Line
877-976-5669Common Questions About Warehouse Line of Credit in Austin
What are current Warehouse Line of Credit rates in Austin, TX?
Warehouse Line of Credit rates in Austin depend on loan amount, credit profile, and property type. CMRE publishes updated Austin rate ranges daily and provides locked quotes within 24 hours of application.
How long does Warehouse Line of Credit closing take in Austin?
CMRE typically closes Warehouse Line of Credit loans in Austin within 21-30 days from application. Pre-approval takes 24 hours, and our TX-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Austin?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Austin and throughout Travis County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Austin?
Yes. CMRE is an SBA Preferred Lender in Austin. We offer SBA 7(a), 504, and Express loans for Travis 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
A warehouse line of credit is a short-term credit facility used by mortgage lenders to fund loans before they are sold on the secondary market. It provides the necessary capital to originate mortgages and keep the lending process moving.
The benefits include increased lending capacity, improved cash flow management, and the ability to quickly capitalize on market opportunities. It allows lenders to fund more loans and grow their business efficiently.
Typical requirements include a strong track record of loan origination, adequate capital reserves, a robust risk management framework, and a solid business plan.
CMRE Warehouse Line of Credit 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.
Warehouse Line of Credit by Location
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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."
