Understanding commercial home loan interest rates in Texas can be confusing — rates change daily and vary based on your property type, loan program, credit profile, and LTV. At Commercial Loans of Texas, we give you straight answers and real rates, not teaser numbers.
Current Commercial Loan Rate Ranges (Texas)
- Hard Money: 9% – 13% | 1-3 year terms | up to 70% LTV
- DSCR Loans: 7% – 9% | 30-year terms | up to 80% LTV
- Stated Income: 8% – 11% | 5-30 year terms | up to 80% LTV
- SBA 504: 6% – 7% | 20-25 year terms | up to 90% LTV
- Construction: 10% – 13% | 12-24 month terms | up to 85% LTV
Rates are estimates and subject to change daily. Call 877-895-3634 for today’s exact pricing.
What Affects Your Commercial Rate?
Several factors determine your actual rate: credit score and history, debt service coverage ratio (DSCR), loan-to-value (LTV), property type and location, loan amount, and whether you’re using a full-doc or stated-income program.
Why Choose a Direct Lender?
As a direct lender in Texas, we control our own rates and don’t mark them up like a broker middleman. When we can’t do it in-house, we shop over 100 lenders to find you the best deal.
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Use our free pricing widget or call 877-895-3634 to get your real rate in minutes. No application fee. No commitment.
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