Mortgage Calculator

Conventional

Term Fixed Rate Floating Rate Max LTV* Max Amortization**
3 Years 6.72% - 8.22% 7.15% - 9.75% 85% - Owner-Occupied / 75% - Investment 30 Years
5 Years 6.49% - 7.99% 7.15% - 9.75% 85% - Owner-Occupied / 75% - Investment 30 Years
7 Years 6.46% - 7.96% 7.65% - 9.75% 85% - Owner-Occupied / 75% - Investment 30 Years
10 Years 6.38% - 7.88% 8.15% - 9.75% 85% - Owner-Occupied / 75% - Investment 30 Years
15 Years 6.63% - 8.88% 8.15% - 9.75% 85% - Owner-Occupied / 75% - Investment 15 Years

Private Banking

Term Fixed Rate Floating Rate Max LTV* Max Amortization**
3 Years 6.47% - 7.22% 7.15% - 8.75% 85% - Owner-Occupied / 75% - Investment 30 Years
5 Years 6.24% - 6.99% 7.15% - 8.75% 85% - Owner-Occupied / 75% - Investment 30 Years
7 Years 6.21% - 6.96% 7.15% - 8.75% 85% - Owner-Occupied / 75% - Investment 30 Years
10 Years 6.13% - 6.88% 7.15% - 8.75% 85% - Owner-Occupied / 75% - Investment 30 Years
15 Years 6.38% - 7.13% 7.40% - 8.75% 85% - Owner-Occupied / 75% - Investment 15 Years

CMBS

Term Fixed Rate Floating Rate Max LTV* Max Amortization
5 Years 6.52% - 7.52% N/A 75% - Investment 30 Years
7 Years 6.32% - 7.32% N/A 75% - Investment 30 Years
10 Years 6.19% - 7.19% N/A 75% - Investment 30 Years

SBA 7a

Term Fixed Rate - Purchase* Floating Rate - Purchase Max LTV* Max Amortization
10 Years 6.75% - 9.75% N/A 85% - Owner-Occupied 25 Years
20 Years 7.25% - 9.75% 9.25% - 10.25% 85% - Owner-Occupied 20 Years

USDA

Term Floating Rate Fixed Rate** Max LTV* Max Amortization*
5 Years 7.75% - 10.75% PTB 80% - Owner-Occupied or Investment 30 Years
7 Years 7.75% - 10.75% PTB 80% - Owner-Occupied or Investment 30 Years
10 Years 7.75% - 10.75% PTB 80% - Owner-Occupied or Investment 30 Years
30 Years PTB PTB 80% - Owner-Occupied or Investment 30 Years

Insurance

Term Fixed Rate* Floating Rate Max LTV* Max Amortization*
5 Years 5.99% - 7.49% N/A 70% - Investment 30 Years
7 Years 5.96% - 7.46% N/A 70% - Investment 30 Years
10 Years 5.88% - 7.38% N/A 70% - Investment 30 Years
20-30 Years 6.14% - 7.89% N/A 70% - Investment 30 Years

Bridge

Term Floating Rate Fixed Rate Max LTV* Max Amortization**
6 Months 9.15% - 15.15% N/A 80% - Investment I/O
12 Months 9.65% - 16.15% N/A 80% - Investment I/O
24 Months 10.15% - 17.15% N/A 80% - Investment I/O
36 Months 10.65% - 18.15% N/A 80% - Investment I/O

Construction

Term Floating Rate Fixed Rate* Max LTV* Max Amortization**
6 Months 9.25% - 12.75% N/A 75% - Owner-Occupied or Investment I/O
12 Months 9.40% - 13.25% N/A 75% - Owner-Occupied or Investment I/O
24 Months 9.50% - 13.75% N/A 75% - Owner-Occupied or Investment I/O
36 Months 9.60% - 14.25% N/A 75% - Owner-Occupied or Investment I/O

Mezzanine (“mezz debt”)

Term Fixed Rate Floating Rate Max LTV* Max Amortization
5 Years 8.02% - 11.02% N/A 75% - Investment 30 Years
7 Years 8.32% - 11.32% N/A 75% - Investment 30 Years
10 Years 8.69% - 11.69% N/A 75% - Investment 30 Years

Disclaimer:

Data effective 07/15/2024. At publishing time, pricing and terms are current but are subject to change. Offers may not be available in all areas
Source: https://www.commercialloandirect.com/commercial-rates.php

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