Office Building Loans in Texas
Office commercial real estate financing in 2026 requires a lender who understands the current market realities. Remote work has permanently changed office demand in some segments — but Texas office markets have outperformed the national trend, with Houston, Dallas, and Austin all showing positive absorption driven by corporate relocations and a strong in-person work culture in the energy, finance, and tech sectors.
The right lender understands both the opportunity and the nuance. Here’s how office financing works in Texas today.
Types of Office Properties and Their Financing
Medical Office Buildings (MOBs)
The strongest segment of the office market right now. Healthcare demand is recession-proof, medical tenants sign long leases, and build-outs are expensive — meaning they don’t leave. Medical office buildings in Texas finance at the same terms as retail or industrial: LTV up to 75–80%, competitive rates, multiple loan options. High lender appetite.
Professional Office (2–10 Stories)
Multi-tenant professional office in suburban Texas markets. Financing depends heavily on occupancy, lease terms, and tenant quality. Stabilized Class A or B assets with creditworthy tenants and long-term leases finance at 65–75% LTV. Shorter lease terms or higher vacancy require bridge financing.
Owner-Occupied Office
A law firm, accounting firm, insurance agency, or other professional services company buying their own building. Excellent candidate for SBA 504 or 7(a) — 10% down, long-term fixed rate, 25-year amortization. The business must occupy at least 51% of the building.
Single-Tenant Office
A single corporate tenant on a long-term lease. Financing is tied to the tenant’s credit rating and lease term remaining. Investment-grade tenants with 10+ years on lease can achieve very aggressive leverage and rates.
Office Loan Terms in Texas
- Medical office: LTV up to 75–80%, 5–10 year terms, strong lender competition
- Suburban professional office: LTV 60–75%, occupancy-dependent
- Bridge / value-add: LTV up to 65–70% of as-is value, 12–24 month terms, 9–13% rate
- SBA owner-occupied: 10% down, 25-year term, fixed rate
- Loan amounts: $500,000 to $20,000,000+
Value-Add Office: The Bridge Strategy
Buying an office building at 60% occupancy and a below-market price? Banks won’t touch it — but a bridge loan will. Execute your leasing plan, get to 85%+ occupancy, and refinance into conventional or CMBS debt with dramatically better terms. Medical office conversion plays are particularly active in Texas right now.
Get an Office Building Loan Quote
We finance office deals across Texas — from small professional office condos to large suburban office parks. Medical office, owner-occupied, value-add, or stabilized investment — tell us about your deal and we’ll structure the right financing.
Apply Now — Office Loan Pre-Qualification