Commercial
Retail Property Loans
Unlock the potential of your retail property investments with CMRE's Retail Property Loans. We offer flexible financing solutions designed to help you acquire, refinance, or improve retail spaces, empowering your business growth. With competitive rates starting at 8.5% and customized loan options, we make retail property ownership accessible.
Program Benefits
Competitive interest rates starting at 8.5% to maximize your investment returns.
Loan options tailored to your specific needs, whether you're purchasing, refinancing, or renovating.
Expert guidance throughout the loan process, from application to closing.
Flexible loan terms to fit your budget and business goals.
Access to capital for retail property acquisition, expansion, or improvement.
Simplified application process and fast approvals to keep your project on track.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Shopping Centers
- Strip Malls
- Stand-Alone Retail Buildings
- Mixed-Use Properties (with retail component)
Program Requirements
Income Documentation
- •Demonstrate a stable and sufficient income stream from your business or other sources.
- •Provide detailed financial statements, including profit and loss statements and balance sheets.
- •Document a history of consistent revenue generation from existing retail operations (if applicable).
- •Evidence of sufficient cash flow to cover loan payments and operating expenses.
Asset Verification
- •Provide documentation of assets, including cash reserves, investments, and other real estate holdings.
- •A detailed list of business assets to demonstrate financial strength.
- •Verification of collateral for the loan, typically the retail property itself.
Insurance & Title
- •Comprehensive property insurance coverage to protect your investment.
- •Liability insurance to cover potential risks associated with retail operations.
- •Business interruption insurance to mitigate losses due to unforeseen events.
- •Flood insurance if the property is located in a flood zone.
Property Requirements
- •Minimum FICO score of 640 or higher.
- •A strong credit history demonstrating responsible financial management.
- •Limited history of delinquencies or defaults on previous loans or credit obligations.
- •A detailed explanation of any past credit issues and evidence of resolution.
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
We offer financing for a wide range of retail properties, including shopping centers, strip malls, stand-alone retail buildings, and mixed-use properties with a retail component. The eligibility depends on the property's location, condition, and income-generating potential.
Loan terms vary depending on the lender and the borrower's needs. Common terms range from 5 to 10 years, with options for fixed or adjustable interest rates. We can work with you to find a term that aligns with your financial goals.
The loan amount depends on several factors, including the property's value, your creditworthiness, and the loan-to-value ratio. We offer loans from $100,000 to $5,000,000, with a maximum loan-to-value ratio of 75%.
Interest rates vary depending on market conditions, your credit profile, and the loan terms. Our rates start at 8.5%, but we encourage you to contact us for a personalized quote based on your specific situation.
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."
