One page, about five minutes. Tell us the deal and we come back with real numbers, not a rate range. No SSN and no credit pull to get a quote.
Home › Hobbs, NM
Banks in Hobbs want perfect credit, three years of tax returns, and months of waiting. We do not. Commercial Loans of Texas is a direct commercial mortgage lender — not a broker — serving New Mexico borrowers with stated income loans, conventional financing, working capital solutions, and more. If your deal makes sense, we can fund it.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Hobbs and New Mexico.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Hobbs, New Mexico.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Hobbs property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Hobbs business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Hobbs and all of New Mexico. Our loan officers understand New Mexico commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Hobbs and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across New Mexico with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
New Mexico commercial property is centered on Albuquerque — logistics, healthcare, and a growing film production base — plus Santa Fe tourism and government, Las Cruces border and agricultural trade, and substantial federal laboratory and defense employment.
New Mexico taxes rental and business income and applies a gross receipts tax rather than a conventional sales tax, which reaches services and affects operating expense modeling.
New Mexico is primarily a judicial foreclosure state, though a non-judicial option exists for qualifying commercial deeds of trust. There is no real estate transfer tax, which keeps closing costs modest.
General information about the New Mexico market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Hobbs, New Mexico | Direct Lender Since 1998
Tell us where to send it and you’ll have written terms the same business day.
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📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way