Commercial Loan Interest Rates in Houston, Texas

Commercial loan interest rates in Houston, Texas vary depending on the loan type, property, borrower qualifications, and current market conditions. As a direct lender with 27+ years in the Texas market, we offer competitive rates across all loan programs.

Current Houston Commercial Loan Rates (2026)

Hard Money Loans: Rates from 9.99% – 13.99% | Points: 2-4 | LTV: Up to 65-70%

DSCR Loans: Rates from 7.50% – 10.50% | 30-year fixed available | LTV: Up to 75-80%

Stated Income Commercial: Rates from 7.99% – 11.99% | 30-year fixed | LTV: Up to 70-75%

Bridge Loans: Rates from 9.99% – 12.99% | Interest only | LTV: Up to 70%

Construction Loans: Rates from 10.99% – 14.99% | LTV: Up to 65% of completed value

Call for a free rate quote: 877-TX-LENDING (877-895-3634)