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Home › Woodbridge, NJ
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Woodbridge, New Jersey, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across New Jersey since 1998 — with no upfront fees and decisions in as little as 48 hours.
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 Woodbridge and New Jersey.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Woodbridge, New Jersey.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Woodbridge property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Woodbridge 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 Woodbridge and all of New Jersey. Our loan officers understand New Jersey commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Woodbridge and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across New Jersey with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
New Jersey commercial real estate is one of the strongest industrial and last-mile distribution markets in the country, driven by the Port of New York and New Jersey and proximity to the largest consumer market in the nation, plus a deep pharmaceutical and life sciences corridor.
New Jersey taxes rental and business income at high graduated rates and carries the highest effective property tax burden in the United States. That expense governs New Jersey underwriting.
New Jersey is a judicial foreclosure state with one of the longest timelines in the country, and the realty transfer fee plus the mansion-style surcharge add real cost at closing. Both belong in the model from the outset.
General information about the New Jersey 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 | Woodbridge, New Jersey | Direct Lender Since 1998
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