Commercial Real Estate Financing in Massachusetts | MA Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Massachusetts. Current commercial loan rates in Massachusetts range from 5.38% to 15%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of MA. We also have a dedicated page for apartment loans in Massachusetts.

Massachusetts Commercial Loans

Massachusetts Commercial Loan Rates

Commercial Loan Types Average Massachusetts Rates LTV Loan Amount Occupancy
Conventional 5.87% - 10.50% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 5.88% - 7.49% 75% $2,000,000+ Investment
Insurance 5.38% - 7.89% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 5.37% - 6.22% 83.3% $5,000,000+ Investment
USDA 6.50% - 11.50% 85% $1,000,000+ Investment + Owner Occupied
Bridge 6.50% - 14.50% 80% $1,500,000+ Investment
Construction 10.00% - 15.00% 83.3% $1,000,000+ Investment
SBA 6.00% - 11.00% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in Massachusetts

Investment Property Mortgages

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

Owner Occupied Commercial Mortgages

Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.

Apply for a Commercial Loan in Massachusetts

Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.

Locations Served in Massachusetts

We are proud to be serving the state of Massachusetts. Here are our commercial loan statistics for this state.

Massachusetts Cities and Towns Served

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Massachusetts Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for MA below to help you understand what kind of market you are in. Simply click one of the options below to see the data for MA. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following Massachusetts cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Massachusetts economic reports to get a better understanding of your market.

  • Abington
  • Acton
  • Acushnet
  • Acushnet Center
  • Adams
  • Agawam
  • Amesbury
  • Amherst
  • Amherst Center
  • Andover
  • Arlington
  • Ashburnham
  • Ashby
  • Ashfield
  • Ashland
  • Assonet
  • Athol
  • Attleboro
  • Auburn
  • Avon
  • Ayer
  • Baldwinville
  • Barnstable
  • Barnstable County
  • Barre
  • Becket
  • Bedford
  • Belchertown
  • Bellingham
  • Belmont
  • Berkley
  • Berkshire County
  • Berlin
  • Bernardston
  • Beverly
  • Beverly Cove
  • Billerica
  • Blackstone
  • Bliss Corner
  • Bolton
  • Bondsville
  • Boston
  • Bourne
  • Boxborough
  • Boxford
  • Boylston
  • Braintree
  • Brewster
  • Bridgewater
  • Brimfield
  • Bristol County
  • Brockton
  • Brookline
  • Buckland
  • Burlington
  • Buzzards Bay
  • Cambridge
  • Canton
  • Carlisle
  • Carver
  • Centerville
  • Charlemont
  • Charlton
  • Chatham
  • Chelmsford
  • Chelsea
  • Chesterfield
  • Chicopee
  • Clinton
  • Cochituate
  • Cohasset
  • Colrain
  • Concord
  • Conway
  • Cordaville
  • Cotuit
  • Dalton
  • Danvers
  • Dedham
  • Dennis
  • Dennis Port
  • Devens
  • Dighton
  • Douglas
  • Dover
  • Dracut
  • Dudley
  • Dukes County
  • Dunstable
  • Duxbury
  • East Bridgewater
  • East Brookfield
  • East Dennis
  • East Douglas
  • East Falmouth
  • East Harwich
  • East Longmeadow
  • East Pepperell
  • East Sandwich
  • Eastham
  • Easthampton
  • Easton
  • Edgartown
  • Erving
  • Essex
  • Essex County
  • Everett
  • Fairhaven
  • Fall River
  • Falmouth
  • Fiskdale
  • Fitchburg
  • Forestdale
  • Foxborough
  • Framingham
  • Framingham Center
  • Franklin
  • Franklin County
  • Freetown
  • Gardner
  • Gill
  • Gloucester
  • Grafton
  • Granby
  • Granville
  • Great Barrington
  • Green Harbor-Cedar Crest
  • Greenfield
  • Groton
  • Groveland
  • Hadley
  • Halifax
  • Hamilton Worcester
  • Hampden
  • Hampden County
  • Hampshire County
  • Hanover
  • Hanson
  • Hardwick
  • Harvard
  • Harwich
  • Harwich Center
  • Harwich Port
  • Hatfield
  • Haverhill
  • Head of Westport
  • Hingham
  • Hinsdale
  • Holbrook
  • Holden
  • Holland
  • Holliston
  • Holyoke
  • Hopedale
  • Hopkinton
  • Housatonic
  • Hubbardston
  • Hudson
  • Hull
  • Hyannis
  • Ipswich
  • Jamaica Plain
  • Kingston
  • Lancaster
  • Lanesborough
  • Lawrence
  • Lee
  • Leicester
  • Lenox
  • Leominster
  • Leverett
  • Lexington
  • Lincoln
  • Littleton Common
  • Longmeadow
  • Lowell
  • Ludlow
  • Lunenburg
  • Lynn
  • Lynnfield
  • Malden
  • Manchester-by-the-Sea
  • Mansfield
  • Mansfield Center
  • Marblehead
  • Marion
  • Marion Center
  • Marlborough
  • Marshfield
  • Marshfield Hills
  • Marstons Mills
  • Mashpee
  • Mattapoisett
  • Mattapoisett Center
  • Maynard
  • Medfield
  • Medford
  • Medway
  • Melrose
  • Mendon
  • Merrimac
  • Methuen
  • Middleborough
  • Middleborough Center
  • Middlesex County
  • Middleton
  • Milford
  • Millbury
  • Millers Falls
  • Millis
  • Millis-Clicquot
  • Millville
  • Milton
  • Monson
  • Monson Center
  • Montague
  • Monument Beach
  • Nahant
  • Nantucket
  • Nantucket County
  • Natick
  • Needham
  • New Bedford
  • New Marlborough
  • Newburyport
  • Newton
  • Norfolk
  • Norfolk County
  • North Adams
  • North Amherst
  • North Andover
  • North Attleborough Center
  • North Brookfield
  • North Chicopee
  • North Eastham
  • North Falmouth
  • North Lakeville
  • North Pembroke
  • North Plymouth
  • North Reading
  • North Scituate
  • North Seekonk
  • North Westport
  • Northampton
  • Northborough
  • Northbridge
  • Northfield
  • Northwest Harwich
  • Norton
  • Norton Center
  • Norwell
  • Norwood
  • Oak Bluffs
  • Oakham
  • Ocean Bluff-Brant Rock
  • Ocean Grove
  • Onset
  • Orange
  • Orleans
  • Osterville
  • Otis
  • Oxford
  • Palmer
  • Paxton
  • Peabody
  • Pelham
  • Pepperell
  • Phillipston
  • Pinehurst
  • Pittsfield
  • Plainville
  • Plymouth
  • Plymouth County
  • Plympton
  • Pocasset
  • Princeton
  • Provincetown
  • Quincy
  • Randolph
  • Raynham
  • Raynham Center
  • Reading
  • Rehoboth
  • Revere
  • Richmond
  • Rochester
  • Rockland
  • Rockport
  • Rowley
  • Royalston
  • Rutland
  • Sagamore
  • Salem
  • Salisbury
  • Sandwich
  • Saugus
  • Scituate
  • Seekonk
  • Sharon
  • Sheffield
  • Shelburne
  • Shelburne Falls
  • Sherborn
  • Shirley
  • Shrewsbury
  • Shutesbury
  • Smith Mills
  • Somerset
  • Somerville
  • South Amherst
  • South Ashburnham
  • South Boston
  • South Deerfield
  • South Dennis
  • South Duxbury
  • South Hadley
  • South Lancaster
  • South Peabody
  • South Yarmouth
  • Southampton
  • Southborough
  • Southbridge
  • Southwick
  • Spencer
  • Springfield
  • Sterling
  • Stockbridge
  • Stoneham
  • Stoughton
  • Stow
  • Sturbridge
  • Sudbury
  • Suffolk County
  • Sunderland
  • Sutton
  • Swampscott
  • Swansea
  • Taunton
  • Teaticket
  • Templeton
  • Tewksbury
  • Three Rivers
  • Topsfield
  • Townsend
  • Truro
  • Turners Falls
  • Tyngsboro
  • Upton
  • Uxbridge
  • Vineyard Haven
  • Wakefield
  • Wales
  • Walpole
  • Waltham
  • Ware
  • Wareham Center
  • Warren
  • Watertown
  • Wayland
  • Webster
  • Wellesley
  • Wellfleet
  • Wendell
  • Wenham
  • West Barnstable
  • West Boylston
  • West Bridgewater
  • West Brookfield
  • West Chatham
  • West Concord
  • West Dennis
  • West Falmouth
  • West Newbury
  • West Springfield
  • West Stockbridge
  • West Tisbury
  • West Wareham
  • West Yarmouth
  • Westborough
  • Westfield
  • Westford
  • Westhampton
  • Westminster
  • Weston
  • Westwood
  • Weweantic
  • Weymouth
  • Whately
  • White Island Shores
  • Whitinsville
  • Whitman
  • Wilbraham
  • Williamsburg
  • Williamstown
  • Wilmington
  • Winchendon
  • Winchester
  • Winthrop
  • Woburn
  • Worcester
  • Worcester County
  • Wrentham
  • Yarmouth
  • Yarmouth Port
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