Commercial Real Estate

Tools to Build Your Future

Community Bank has always been committed to helping our customers capitalize on their real estate needs and opportunities. That’s why we offer a variety of Commercial Real Estate Loans in flexible amounts with competitive terms and rates.

Loan Product Types

Our Commercial Real Estate Group offers the following types of real estate loans:

  • Bridge
    •    Interim financing for completed structures
    •    Rehabilitation Loans
    •    Tenant Improvements
  • Mini-Perms
  • Lines of Credit

Property Types

Community Bank finances many different property types. Here are just a few examples:

  • Multi-Family (5 units or more)
  • Industrial
  • Commercial Office
  • Self-Storage Facilities
  • Retail
  • Mixed Use

Loan Terms

We offer a variety of terms depending on the loan type:

  • Bridge Loans – up to 3 year maturities
  • Mini-Perms – up to 10 year maturities, longer terms will be considered on a case-by-case basis

Advance Rates

Community Bank will advance up to 70% of the purchase price or the appraised value (as determined by the Bank) for most properties. Loans will also be subject to a minimum debt service coverage ratio (as determined by the Bank).  Market and other factors may impact the maximum advance rate and/or minimum debt service coverage requirement on individual properties.

Interest Rates

Community Bank offers both variable and fixed rates:

  • Variable rates – based on Prime Rate or LIBOR
  • Fixed rates – based on Treasury Note Rates and LIBOR Swap Rates

Loan Fees

Loan fees are custom tailored to the individual transaction.


Community Bank offers competitive amortization terms on a case by case basis (usually 25 years but not to exceed the useful life of the property); 30 year amortization is allowed for Multi-Family properties.


We require a perfected first trust deed on the property to be financed.


We have just a few other requirements:

  • All loans are subject to Community Bank’s customary due diligence, underwriting, credit approval and documentation
  • The borrower covers all out-of-pocket expenses, including documentation, environmental reports, and appraisals, etc.