Updated July 2026
Commercial Mortgage Rates & Programs
Current rate ranges across 12 loan programs. Filter by property type, loan type, and leverage to find the right capital stack for your deal.
Rates are indicative and subject to change. Actual rate depends on property, borrower, and market conditions.
Loan Type
Property Type
Max LTV Required, Any
50%
95%
My Loan Size
$
(shows programs that can handle your deal)
12 of 12 programs shown
| Product | Rate Range | Term | Max LTV | Amortization | Min Loan | Prepay | Notes | |
|---|---|---|---|---|---|---|---|---|
| Bridge | 6.79%, 13.04% | 2 Yr | 75% | Interest Only | $1M | None | Non-recourse available at 65% LTV+. Extensions available. | Get This Rate → |
| Permanent | 5.34%, 8.25% | 10 Yr | 75% | 25-30 Year | $1M | Step-Down or Yield Maintenance | Fixed or floating. Bank, insurance company, and credit union sources. | Get This Rate → |
| Construction | 6.23%, 13.04% | 2 Yr | 75% | Interest Only | $2M | None | LTC up to 90% with mezz. Mini-perm available at stabilization. | Get This Rate → |
| SBA 7(a) | 7.00%, 8.25% | 25 Yr | 90% | 25 Year | $500K | 3-Year | Owner-occupied only. Up to 90% LTV. Personal guarantee required. | |
| SBA 504 | 5.54%, 6.50% | 20 Yr | 90% | 20 Year | $500K | 10-Year | Owner-occupied. CDC/bank partnership. Below-market fixed rates. | |
| CMBS | 5.50%, 7.50% | 10 Yr | 75% | 30 Year | $2M | Defeasance or Yield Maintenance | Non-recourse. Flexible on property type. Higher leverage with IO available. | Get This Rate → |
| Agency (Fannie/Freddie) | 5.34%, 6.75% | 10 Yr | 80% | 30 Year | $1M | Yield Maintenance | Non-recourse. 5+ units. Supplemental financing available. | Get This Rate → |
| HUD/FHA 223(f) | 5.25%, 6.75% | 35 Yr | 85% | 35 Year | $2M | 10-Year Lockout | Non-recourse. Best long-term rates available. 6-12 month processing. | Get This Rate → |
| Life Company | 5.00%, 6.50% | 10 Yr | 65% | 25-30 Year | $5M | Yield Maintenance | Non-recourse. Best rates for low-leverage, core assets. Relationship-driven. | Get This Rate → |
| Net Lease | 6.00%, 7.50% | 10 Yr | 70% | 25-30 Year | $1M | Step-Down | NNN and NN leases. Investment-grade tenant credit drives rates. | Get This Rate → |
| Hard Money | 9.00%, 14.00% | 1 Yr | 70% | Interest Only | $500K | None | Asset-based lending. Fast close 7-14 days. Credit-flexible. | Get This Rate → |
| Mezzanine | 10.00%, 18.00% | 3 Yr | 90% | Interest Only | $2M | Negotiated | Subordinate to first mortgage. Typically combined with senior debt for total leverage 80-90% LTC. | Get This Rate → |
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