Home loans · Georgia & California

Commercial loans

Purchase or refinance financing for warehouses, office and retail buildings, shopping centers, multifamily properties and hotels. As a commercial real estate agent, I can help with both the deal and the loan.

Get pre-approved Call 626.702.1888

Who it’s for

Business owners buying the building they operate in
Investors in industrial, retail, office or multifamily property
Owners refinancing a commercial property
Buyers who want the deal and the financing planned together

How it works

Commercial loans are underwritten on both the property and the borrower: the property's net operating income and debt coverage, plus the borrower's experience, credit and liquidity.

For owner-occupied buildings, the business's own financial statements matter as much as the property. For investment property, the leases and rent roll carry the most weight.

I recently represented a buyer on a $1.9 million truck terminal in Calhoun, from the letter of intent through closing, so I know what lenders look for in a commercial file.

Good to know

See the Calhoun truck terminal case study for how a commercial purchase comes together.

Get started

Ask about commercial loans

Share a few details and I will call you within one business day. This form is not a loan application and does not affect your credit. Please do not include your Social Security number or any documents here.

扫码加微信，中文咨询贷款Or call 626.702.1888, or email zion.chen@orangepathfinancial.com

Other loan programs

All home loans →

Conventional and jumbo loansFannie Mae and Freddie Mac loans, and jumbo loans above the conforming limit.Learn more →DSCR loans for investorsQualify on the property's rent, not your personal income.Learn more →Self-employed and alternative-income loansBank statement, P&L, 1099 and VOE loans when tax returns don't show your real income.Learn more →Foreign national and ITIN loansFor buyers without a Social Security number, overseas investors and many visa types.Learn more →HELOC and cash-out refinanceTurn home equity into cash and keep your current low rate.Learn more →

Long (Zion) Chen, NMLS #2869394, licensed mortgage loan originator in Georgia (MLO License #2869394) and California (DFPI MLO License CA-DFPI2869394), sponsored by OrangePath Financial Inc., NMLS #2070941. This is not a commitment to lend. All loans are subject to credit approval and underwriting; terms, programs and eligibility are subject to lender approval, and not all programs are available in every state. OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772. NMLS Consumer Access