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Welcome to Virginia Mortgage Services!
The Most Comprehensive mortgage
and real estate site for mortgage loans!

Commercial Loans
Looking for a commercial loan? Commercial lending is needed from time to time in order for businesses to overcome financial hurdles they are faced with. At some time or another, almost every business in existence today has to make use of some type of loan. Today, there are more lenders available to loan money to businesses than there ever has been in the past. Virginia Mortgage offers financing for small balance commercial loans that are from $100,000 up to $1.5 million using our network of mortgage lenders and correspondents. Our small balance commercial lending program for commercial loans range from $100,000 up to $1.5 million and is a simple and easy way to get the money you need quickly and with out the red tape.

Commercial Loan Program Highlights:

By incorporating many attractive features, our commercial loans address the critical needs of borrowers: preferential terms, ease of process and quick execution of your commercial loan.

  • Bank competitive pricing
  • 48-hour pre-approvals
  • Unlimited cash out
  • High LTVs and CLTVs
  • Rate locks available
  • Owner occupied or investor properties
  • Streamlined underwriting
  • Subordinate financing permitted
  • Long terms and amortizations
  • Quick closings
  • Multiple pricing options
  • Minimal costs

Commercial Lending Programs:

There are two basic rate types to choose from when applying for commercial mortgages--fixed rates and variable or adjustable rates. Fixed rates are "locked" rates that do not change over the course of a loan. Fixed rates are most advantageous when market rates are low compared to historical averages. That way, when Federal Reserve rates rise, the borrower's interest rate is locked in tight.

Variable interest rates, on the other hand, fluctuate in line with interest rates set by the Federal Reserve. When market rates are at historic lows, variable interest rates will be low; but as soon as market rates begin to rise, they will pull variable rate mortgages right along with them. This makes variable interest rates a bit of a gamble. Most investors look to variable rates only when overall market rates are high and will likely come down over the course of a loan. Virginia Mortgage Services commercial loan benefits:
  • NO lender points
  • NO yield maintenance
  • NO loan to one borrower limits
  • NO mandatory lockouts
  • NO loan committees

Our commercial loans are ideal for borrowers who:

Commercial loan brokers often prove to be an invaluable resource for investors looking to buy business property. Commercial loan brokers understand the intricacies, tricks, and traps of financing commercial real estate deals. Their clients are far less likely to fall victim to the pitfalls of real estate investing. Home loans are often fairly simple. A borrower decides between a fixed or variable rate loan and signs on the dotted line. Commercial mortgages are far more complicated. There are many different mortgage products from which a borrower can choose when buying commercial real estate. The loan values for commercial real estate are often far greater than home loan values as well.

  • High credit with 640+ middle score

  • Low debt relative to their income

  • Willing and able to fully document their income

  • At least 2 months of principal and interest payments in liquid assets

  • No late mortgage payments on any property in the last 12 months

  • No bankruptcies within the last 7 years.

For more questions on commercial loans contact us at Virginia Mortgage Services today for an commercial loan quote and we will be happy to discuss all your commercial loan options! Or you can use our quick and easy online application for commercial loans!

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