The 9 Commercial Real Estate Loan Terms You Didn’t Know Were Flexible
Commercial real estate loan terms are more flexible than you might expect.
Commercial Real Estate loans are different than Residential Mortgages.
Many real estate investors may not be aware that commercial real estate loan terms can be quite flexible and structured in different ways. This does not mean that all loan terms are flexible in all situations. But, at Northern California National Bank, we do make the effort to understand each loan applicant’s unique needs and try to structure loans that accomplish your goals as a borrower while fitting within our policies and guidelines.
Below are the nine terms that can be flexible:
- Loan Term
- Loan Amortization
- Fixed Interest Rate vs. Variable Interest Rate
- Loan Fees
- Prepayment Penalties
- Personal Guarantees
- Interest-Only Periods
- Loan Performance Covenants
If you have a prospective loan request in mind, or simply would like to learn more about commercial real estate loans, we would love meet and help answer any questions you may have. At Northern California National Bank, we want to be a valuable resource to the real estate investors and small business owners in our community.
December 7, 2022
What Makes Northern California National Bank Different?
Based in Chico, we also have offices located in Sacramento, Redding, and San Francisco, serving business owners, real estate investors, and farmers across northern California.
December 7, 2022
What Do Amortization and Re-Amortization Mean?
When most people think about real estate loans, they immediately think of residential mortgages. Generally speaking, most residential mortgages are for 15 or 30-year terms. Residential mortgages are a
Contact our team
Our friendly staff is ready to assist you Monday through Thursday between 9am and 5pm, and Friday from 9am to 6pm. Walk up opens weekdays at 8:30am.