Commercial Real Estate Financing in New Mexico | NM Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of New Mexico. Current commercial loan rates in New Mexico range from 4.7% to 16.11%, 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 NM. We also have a dedicated page for apartment loans in New Mexico.

New Mexico Commercial Loans

New Mexico Commercial Loan Rates

Commercial Loan Types Average New Mexico Rates LTV Loan Amount Occupancy
Conventional 5.11% - 8.04% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 5.59% - 6.71% 75% $2,000,000+ Investment
Insurance 5.04% - 7.29% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 4.59% - 5.44% 83.3% $5,000,000+ Investment
USDA 5.70% - 8.70% 85% $1,000,000+ Investment + Owner Occupied
Bridge 7.11% - 16.11% 80% $1,500,000+ Investment
Construction 7.20% - 12.20% 83.3% $1,000,000+ Investment
SBA 4.70% - 8.20% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in New Mexico

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 New Mexico

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 New Mexico

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

New Mexico Cities and Towns Served

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New Mexico Economic Data

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

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following New Mexico 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 New Mexico economic reports to get a better understanding of your market.

  • Agua Fria
  • Alamo
  • Alamogordo
  • Albuquerque
  • Angel Fire
  • Anthony
  • Arenas Valley
  • Arroyo Seco
  • Artesia
  • Atoka
  • Aztec
  • Bayard
  • Belen
  • Berino
  • Bernalillo
  • Bernalillo County
  • Black Rock
  • Bloomfield
  • Boles Acres
  • Bosque Farms
  • Cannon Air Force Base
  • Capitan
  • Carlsbad
  • Carnuel
  • Carrizozo
  • Catron County
  • Chama
  • Chaparral
  • Chaves County
  • Chimayo
  • Church Rock
  • Cibola County
  • Clayton
  • Clovis
  • Colfax County
  • Columbus
  • Corrales
  • Crownpoint
  • Curry County
  • De Baca County
  • Deming
  • Dexter
  • Doña Ana
  • Doña Ana County
  • Dulce
  • Eddy County
  • Edgewood
  • El Cerro
  • El Cerro Mission
  • El Rancho
  • El Valle de Arroyo Seco
  • Eldorado at Santa Fe
  • Elephant Butte
  • Enchanted Hills
  • Española
  • Estancia
  • Eunice
  • Farmington
  • Flora Vista
  • Fort Sumner
  • Gallup
  • Grant County
  • Grants
  • Guadalupe County
  • Hagerman
  • Harding County
  • Hatch
  • Hidalgo County
  • Hobbs
  • Holloman Air Force Base
  • Hurley
  • Jal
  • Jarales
  • Jemez Pueblo
  • Keeler Farm
  • Kirtland
  • La Cienega
  • La Huerta
  • La Luz
  • La Mesilla
  • La Puebla
  • La Union
  • Laguna
  • Las Cruces
  • Las Maravillas
  • Las Vegas
  • Lea County
  • Lee Acres
  • Lincoln County
  • Lordsburg
  • Los Alamos
  • Los Alamos County
  • Los Chavez
  • Los Lunas
  • Los Ranchos de Albuquerque
  • Loving
  • Lovington
  • Luna County
  • McIntosh
  • McKinley County
  • Meadow Lake
  • Mescalero
  • Mesilla
  • Mesquite
  • Milan
  • Monterey Park
  • Mora
  • Mora County
  • Moriarty
  • Mosquero
  • Nambe
  • Navajo
  • North Valley
  • Ohkay Owingeh
  • Otero County
  • Paradise Hills
  • Pecos
  • Peralta
  • Placitas
  • Pojoaque
  • Ponderosa Pine
  • Portales
  • Quay County
  • Questa
  • Radium Springs
  • Ranchos de Taos
  • Raton
  • Reserve
  • Rio Arriba County
  • Rio Communities
  • Rio Rancho
  • Roosevelt County
  • Roswell
  • Ruidoso
  • Ruidoso Downs
  • San Felipe Pueblo
  • San Juan County
  • San Miguel
  • San Miguel County
  • San Ysidro
  • Sandia Heights
  • Sandia Knolls
  • Sandoval County
  • Santa Clara
  • Santa Clara Pueblo
  • Santa Fe
  • Santa Fe County
  • Santa Rosa
  • Santa Teresa
  • Santo Domingo Pueblo
  • Shiprock
  • Sierra County
  • Silver City
  • Skyline-Ganipa
  • Socorro
  • Socorro County
  • South Valley
  • Spencerville
  • Sunland Park
  • Taos
  • Taos County
  • Taos Pueblo
  • Texico
  • Thoreau
  • Tierra Amarilla
  • Tome
  • Torrance County
  • Truth or Consequences
  • Tucumcari
  • Tularosa
  • Twin Lakes
  • Union County
  • University Park
  • Upper Fruitland
  • Vado
  • Valencia
  • Valencia County
  • Waterflow
  • West Hammond
  • White Rock
  • White Sands
  • Zuni Pueblo
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