Commercial Loan Programs

Loan Size

• $500,000 - $25,000,000

• Owner-Occupied Properties or Investor Properties
• Traditional Commercial Properties Only
• 15, 20, 25, & 30 Year Amortizations
• 3, 5, 10, 15 Year Fixed Rates
• Up to 75% LTV / 75% CLTV
• Below PRIME Rates
• No Balloons or Calls
• Cash Out to 40% of Loan Amount
• Fixed Declining Prepayment
• Minimal Impound Reserves
• Recourse and Non-Recourse Options
• Minimum 660 Credit Score
• 2 Years of Historical Income Req.
• Low Minimum 1.25 DSCR

Fidelity Commercial Funding also has a non-conforming, owner-occupied or investor commercial loan program providing up to 90% commercial financing and 30 year fixed rate terms, for both traditional and non-traditional commercial properties.

Loan Size

• $250,000 - $5,000,000

• Owner-Occupied Properties or Investor Properties
• Traditional or Non-Traditional Commercial Properties
• Full Document, Low-Doc, and Stated Income Options
• Owner-Occupied Stated Income Commercial Loans to 90% LTV
• 30 Year Amortizations
• 3 Month, 2, 5, & 30 Year Fixed Rates
• 90% LTV on Purchase
• 85% LTV on Refinances
• Cash Out Refinances to 75%
• Cash Out to 40% of Loan Amount
• Flexible Prepayment Options
• 20% Annual Prepay With No Penalty
• Low Minimum 1.25 DSCR
• Minimum 600 Credit Score