Commercial
Winery/Vineyard Loan
Cultivate your dreams with CMRE's Winery/Vineyard Loans. We provide specialized financing solutions for vineyard acquisition, expansion, or refinancing. With competitive rates starting at 8.5% and flexible terms, we help your winery flourish.
Program Benefits
Competitive interest rates starting at 8.5% for qualified borrowers.
Financing available for vineyard acquisitions, expansions, and refinances.
Flexible loan terms to fit your business needs.
Expert guidance from experienced commercial loan specialists.
Streamlined application process for faster approvals.
Unlock the potential of your winery with strategic financial support.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$250K - $10M+
Amortization Options
Eligible Properties
- Vineyards
- Wineries
- Tasting Rooms
- Production Facilities
- Land for Vineyard Development
Program Requirements
Income Documentation
- •Demonstrated profitability and positive cash flow from winery operations.
- •Review of historical financial statements (typically 3 years).
- •Projections for future revenue and profitability.
- •Personal income verification for guarantors.
Asset Verification
- •Appraisal of the vineyard and related facilities.
- •Verification of liquid assets for down payment and reserves.
- •Schedule of all existing business debts and liabilities.
- •Inventory valuation (if applicable).
Insurance & Title
- •Comprehensive property insurance covering vineyard, buildings, and equipment.
- •General liability insurance.
- •Crop insurance (if applicable).
- •Business interruption insurance.
Property Requirements
- •Minimum FICO score of 640.
- •Review of personal and business credit reports.
- •Acceptable credit history with no major derogatory marks.
- •Demonstrated history of responsible financial management.
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
Winery/vineyard loans can be used for a wide range of purposes, including purchasing land, planting vines, building or renovating production facilities, acquiring equipment, refinancing existing debt, and funding working capital.
Loan terms vary depending on the lender and the specific loan program. However, you can typically expect loan terms ranging from 5 to 25 years, with both fixed and adjustable interest rate options available.
The amount you can borrow will depend on several factors, including your creditworthiness, the value of the vineyard, and your ability to repay the loan. Lenders will typically lend up to 75% of the appraised value of the property.
Interest rates can vary depending on market conditions, the borrower's credit profile, and the specific loan program. CMRE offers competitive rates starting at 8.5% for qualified borrowers. Contact us for a personalized rate quote.
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."
