Specialized Mortgage Program
Small-balance commercial mortgage program offering 5-year ARM or 30-year fixed terms for purchase, rate-term, and cash-out refinances on Tier 1 and Tier 2 commercial properties.
Underwriting at a glance
- Minimum FICO
- 650+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 75%
- Loan amount
- $100,000 - $2,500,000
- Documentation
- -
- States
- AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
Highlights
- •Loan sizes from $100K to $2.5MM
- •5-year ARM or 30-year fixed options
- •Competitive rates for Tier 1 and Tier 2 properties
- •Available for purchase, cash-out, and rate-term refinance
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.