Interest Rates

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Commercial Mortgage Market Interest Rates

Learn how commercial mortgage rates are determined and explore a wide range of financing solutions for various commercial real estate types. With flexible financing options, diverse term lengths, and various features, we aim to provide you with more choices and better terms.

Commercial real estate encompasses a wide range of property types, such as office, retail locations, industrial facilities, mixed-use properties, multifamily residences, and more.

Our goal is to simplify the loan process and offer competitive solutions for our clients.

Contact our team of experts to discuss your specific requirements and obtain a competitive quote. Click the button to request a Quote or call us at 800-616-2050.

Commercial mortgage rates are influenced by numerous factors, making it essential to understand the key determinants.

Some of these factors include:

  • Property Type: The type of commercial property, such as office, retail, industrial, or multifamily, can impact your mortgage rate.

  • Location: The property’s location plays a crucial role in rate determination, with different regions carrying varying rates.

  • Loan-to-Value Ratio (LTV): Lenders consider the LTV ratio, which is the loan amount relative to the property’s value, as it affects risk assessment. Learn more about Loan to Value. 

  • Debt Service Coverage Ratio (DSCR): Your property’s income-to-debt ratio affects the mortgage rate. A strong DSCR can lead to more favorable rates. Learn more about DSCR here.

  • Debt Yield: Lenders also evaluate the property’s potential income against the loan amount to gauge risk. Learn more about debt yield here. 

  • Borrower’s Financial Profile: Net worth, liquidity, credit rating, and level of experience in commercial real estate can impact your mortgage terms.

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The information provided herein is intended for business users only and is not intended for use by the general public or individual, personal, or household consumers. Programs may be cancelled or modified at any time without prior notice. Programs may not be available in all jurisdictions. These materials are intended to provide general information to the reader. This information is made available with the understanding that INSIGNIA Financial Services, LLC is not engaged in rendering legal, accounting, or other professional services. We use reasonable care in providing information but cannot guarantee accuracy or completeness. Information is provided with no warranty, express or implied, any and all such warranties are expressly disclaimed. We assume no liability for any loss, damage, or expense from errors or omissions in these materials, whether arising in contract, tort, or otherwise. Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. INSIGNIA Financial Services LLC is not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae. We do not conduct business in Alaska, Minnesota, Nevada, North Dakota, South Dakota, Oregon, Utah, and Vermont.

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