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 › Yonkers, NY
Banks in Yonkers 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 York 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 Yonkers and New York.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Yonkers, New York.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Yonkers property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Yonkers 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 Yonkers and all of New York. Our loan officers understand New York commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Yonkers and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across New York with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
New York spans the largest office and multifamily market in the country in New York City, plus genuinely distinct upstate economies: Buffalo and Rochester advanced manufacturing and healthcare, Albany government and semiconductor investment, and Syracuse distribution and university demand.
New York taxes rental and business income at high graduated rates, with New York City adding its own income tax. Upstate property tax burdens are among the highest in the nation.
New York is a judicial foreclosure state with a long timeline, and the mortgage recording tax is a substantial closing cost that varies by county. In New York City, rent regulation and local law compliance can affect value more than the loan terms do.
General information about the New York 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 | Yonkers, New York | Direct Lender Since 1998
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