Commercial & Apartment Loans Nationwide


Commercial Loan Direct (“CLD”), a business division of CLD Capital, is a commercial real estate correspondent and mortgage banking firm with over 200 financial programs to choose from. In order to bring our clients a wide variety of financial products that can be specifically tailored to their needs, CLD partners with the various financial institutions and government-sponsored agency lending platforms including: Banks/Institutional Lenders, Life companies, Hedge Funds, Real Estate Investment Trusts (REITs), Private Lenders, Fannie Mae (FNMA), Freddie Mac (FHLMC), Small Business Administration (SBA), United States Department of Agriculture (USDA), Federal Housing Authority division of the Department of Housing and Urban Development (FHA / HUD).

Commercial Loan Programs


Apartment Loans

Multifamily properties take a variety of forms including traditional apartments, age-restricted communities or senior housing, student housing, affordable housing (Section 8, Section 202, public housing, or other government-sponsored programs), and manufactured housing / mobile home parks. The types of programs available for stabilized apartment projects include Agency programs such as Fannie Mae (FNMA), Freddie Mac (FHLMC), HUD / FHA, CMBS / Conduit, Conventional, Insurance, military housing, cooperatives and USDA. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition or stabilize multifamily buildings.

Loan Type Min Loan Amount Max LTV Term Length (yrs) Amortization (yrs) Learn More Rates
Fannie Mae (FNMA) $750,000 80% 3-30 15-30
Freddie Mac (FHLMC) $1,000,000 80% 5-30 30
FHA / HUD $3,000,000 83.3% 30-40 30-40
Conduit / CMBS $2,000,000 75% 5-10 20-30
Conventional $1,000,000 75-85% 3-15 10-30
Insurance $1,000,000 75% 5-30 10-30
USDA $1,000,000 85% 5-15 15-30
Bridge $3,000,000 90% 1-3 Interest-Only
Construction $3,000,000 80% 1-3 Interest-Only
Investment Commercial Loans

Commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facilities, memory care, hospitals), hospitality (hotel, motel, resort) and mixed use. The types of loans available for stabilized commercial projects include Conventional, CMBS / Conduit, Insurance, and Agency programs including FHA / HUD, and USDA, Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition/stabilize or construct buildings.

Loan Type Property Type * Min Loan Amount Max LTV Term Length Amortization Learn More Rates
Conventional O, R, I/W, SS, H/M, MU $1,000,000 75% 3-15 15-30
Conduit / CMBS O, R, I/W, SS, M/H, H/M, MU $2,000,000 75% 5-10 20-30
Insurance O, R, I/W, MU $1,000,000 75% 5-30 15-30
FHA / HUD H, SNF, MC $3,000,000 83.3% 30-40 30-40
USDA O, R, I/W, SS, H/M, MU $1,000,000 85% 5-15 15-30
Bridge O, R, I/W, SS, MU $3,000,000 90% 1-3 Interest-Only
Construction O, R, I/W, SS, MU $3,000,000 80% 1-3 Interest-Only
*H = Hospitals H/M = Hotel/Motel I/W = Industrial/Warehouse MC = Memory Care M/H = Medical/Healthcare MU = Mixed Use
O = Office R = Retail SNF = Skilled Nursing Facility SS= Self-Storage
Owner Occupied Commercial Loans

Commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facilities, memory care, hospitals), hospitality (hotel, motel, resort) and mixed use. The types of loans available for stabilized commercial projects include Conventional, CMBS / Conduit, Insurance, and Agency programs including FHA / HUD, and USDA, Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition/stabilize or construct buildings.

Loan Type Property Type * Min Loan Amount Max LTV Term Length Amortization Learn More Rates
Conventional O, R, I/W, SS, M/H, H/M, MU $1,000,000 80% 3-15 15-30
SBA O, R, I/W, SS, M/H, H/M, MU $1,000,000 85-90% 3-25 15-30
USDA O, R, I/W, SS, M/H, H/M, MU $1,000,000 80-90% 5-20 15-30
*H = Hospitals H/M = Hotel/Motel I/W = Industrial/Warehouse MC = Memory Care M/H = Medical/Healthcare MU = Mixed Use
O = Office R = Retail SNF = Skilled Nursing Facility SS= Self-Storage

Our Simplified 3-Step Process


Our simplified 3-step loan process and web-based platform makes the lending experience fast, easy, and convenient. At each step, you'll know just what to expect while we work closely with you to insure your loan closes in a timely and professional manner. Simply click on the steps below to learn more about our lending process.

Assesment

Your assigned Loan Specialist will work with you to understand the property you wish to purchase or refinance as well as your investment strategy and real estate portfolio.

Selection

Your transaction will be matched with the top 1-3 loan programs that best fits your request, and a Loan Specialist will assist you by explaining the features of the proposed loan option(s).

Closing

You will work with your Transaction Coordinator to send the required items during the due diligence period. Once all items are sent, the loan is closed and you receive the funds.

Exceeding Customer's Expectations


Latest three (3) success stories

"I will wholeheartedly recommend CLD. [My loan specialist’s] knowledge about the various loan products and negotiating a good deal... is exceptional."

Rating 5/5

Success Lending Stories

Bill S. - Apartment Complex Owner

"I felt confident through the process that things were under control, that my interests were being protected... [my loan officer] was always a pleasure to talk to and work with..."
Rating 5/5

Success Lending Stories

Mark Leifield - Apartment Complex Owner

"CLD was most helpful from answering my initial questions to the follow up... We would not have been able to start this business without CLD."

Rating 5/5

Success Lending Stories

Herb Velazquez - Ace Franchise Owner

CLD News


Subscribe to our blog and stay updated on current news from CLD.

GLQC Member MBA Member BBB A Plus Rated SSSL Secured Secured Website