Houston Commercial Real Estate Financing

Houston is the fourth-largest U.S. metro and one of the most active commercial real estate markets in the country, anchored by the Texas Medical Center (the largest medical complex in the world), the global energy industry, and the Port of Houston's booming logistics ecosystem. More than 7 million residents and persistent Sunbelt in-migration support strong fundamentals across every property type.

Commercial Lending Solutions brings institutional-level financing to the Houston market through a network of over 1,000 capital sources. Whether you are acquiring a medical office building near the Texas Medical Center, building industrial distribution near Bayport or Barbours Cut, or refinancing a Class A office tower in the Energy Corridor, we create competition among lenders for your deal and deliver better rates, higher leverage, and more flexible terms.

Houston Market Highlights

Texas Medical Center: World's largest medical complex with more than 60 institutions and 100,000 employees, driving persistent medical office, lab, and multifamily demand
Energy capital of the world: Global energy industry HQs and service companies sustain Class A office and R&D demand across the Energy Corridor and Westchase
Port of Houston: Second-busiest U.S. port by tonnage, anchoring industrial demand across the Bayport, Barbours Cut, and East End corridors
No state income tax: Texas's tax-friendly environment and relatively low cost of living continue to attract corporate relocations and household migration
Population growth leader: Houston metro has added more than one million residents over the past decade, supporting sustained multifamily, retail, and medical demand

Key Houston Submarkets We Finance

Texas Medical Center / Museum District, medical office, Class A office, multifamily
Energy Corridor / Westchase, corporate office, R&D, hospitality
Galleria / Uptown, Class A office, luxury multifamily, retail
The Woodlands / Spring, suburban office, multifamily, mixed-use
Downtown Houston / Midtown, Class A office, mixed-use, hospitality
East End / Port of Houston corridor, industrial, logistics, distribution
Katy / West Houston, suburban office, multifamily, retail centers
Sugar Land / Pearland, medical office, suburban retail, multifamily

Loan Programs

Permanent Loans

5.50%, 7.50% | 5-30 yr terms

Long-term fixed and adjustable-rate financing for stabilized Houston properties. Agency, CMBS, bank, life company, and credit union execution.

Bridge Loans

8.00%, 11.00% | 12-36 months

Short-term financing for Houston acquisitions, value-add multifamily, and lease-up properties. Close in as little as 2-4 weeks.

Construction Loans

7.00%, 10.00% | 12-36 months

Ground-up construction for multifamily, industrial, and mixed-use projects across the Metroplex.

SBA 504 / 7(a)

5.75%, 6.75% | 25 yr terms

Owner-occupied commercial properties in Houston. As little as 10% down with below-market fixed rates for qualifying businesses.

Mezzanine / Pref Equity

10%, 15% | Custom terms

Subordinate financing to reduce equity requirements on larger Houston transactions. Bridge the gap between senior debt and your equity.

CMBS Loans

5.75%, 7.25% | 5-10 yr terms

Non-recourse conduit financing for larger Houston commercial properties. Competitive fixed rates with higher leverage.

Property Types We Finance in Houston

Multifamily

Industrial

Retail

Office

Mixed-Use

Hospitality

Self-Storage

Medical Office

Data Centers

Mobile Home Parks

How It Works

Tell Us About Your Houston Deal

Fill out the form or call us with your property details, loan amount, and timeline. We respond within 24 hours.

We Shop Your Deal

We present your deal to lenders active in the Houston market and collect competing term sheets. You review and select the best option.

We Close Your Loan

We manage the full process, underwriting, appraisal, legal, title, and coordinate everything through funding.

The Commercial Lending Solutions Advantage

Access to 1,000+ lenders, banks, credit unions, life companies, CMBS, debt funds, and private lenders
Active lender relationships in the Houston and across Texas
One application, multiple competing term sheets
No upfront fees, we only get paid when your loan closes
Institutional-level execution with personal, one-on-one service
Deep expertise across all major commercial property types and loan programs
Over $1 billion in commercial loans closed nationwide

Prefer to talk? Call the broker directly.

310.758.4042

Trevor Damyan · Mon-Fri 9am-5pm PT

Get Your Houston Commercial Loan Quote

Fill out the form below. We respond within 24 hours.

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Loan Amount

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Deal Details

Or use our full application · Call 310.758.4042

FAQ

Houston Commercial Loan Questions

We finance all major commercial property types across the Houston market: multifamily apartments, industrial warehouses and distribution centers, retail centers, office buildings, mixed-use developments, hospitality properties, self-storage facilities, medical office, data centers, and mobile home parks. Our network of 1,000+ lenders includes many who are highly active in the Texas market.

Yes. The Port of Houston is one of the busiest U.S. ports by tonnage, and industrial near Barbours Cut, Bayport, and the East End corridor is among the most financeable industrial in the country. Our lender network includes specialists in port-adjacent logistics, cold storage, intermodal, and chemical-and-plastics-industry properties serving the Gulf Coast supply chain.

As of early 2026, commercial mortgage rates in Houston vary by loan type: permanent loans range from approximately 5.50% to 7.50%, bridge loans from 8% to 11%, SBA 504 loans from 5.75% to 6.75%, and construction loans from 7% to 10%. Houston's strong fundamentals, population growth, job creation, and low vacancy, often help borrowers qualify for more competitive terms. Contact us for a rate quote specific to your deal.

Our headquarters are in Los Angeles, but we arrange commercial loans nationwide across all 50 states. Houston is one of our most active markets. Our national lender network of 1,000+ sources includes numerous banks, life companies, and debt funds that are actively competing for Houston deals, which means we can often secure terms that a local broker with a smaller lender roster cannot.

No. There is no upfront cost for a consultation or loan quote. Our brokerage fee is earned at closing when your loan funds, meaning our interests are aligned with yours, we don't get paid unless you get financed.

Important Loan Disclosures

Representative Example: An $8,000,000 permanent commercial mortgage at a 6.75% fixed rate with a 10-year term and 30-year amortization would have an estimated monthly principal and interest payment of approximately $51,900. Total amount repayable over the 10-year term: approximately $6,228,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Commercial mortgage rates currently range from approximately 5.85% to 7.50%, depending on loan type, property type, leverage, borrower qualifications, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Commercial mortgage terms range from 5 to 30 years with 25-30 year amortization schedules. Maximum loan-to-value (LTV) up to 75% for most programs. Loans may be recourse or non-recourse depending on the program and lender. Prepayment penalties may apply.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Commercial Mortgage Loans in Houston