American Financial not only specializes in owner occupied / single family financing (1-4 units), but we also specialize in Commercial and Multi-Family financing. We are a Nationwide Lender funding loans up to $25 Million.

Ask about our owner / user specialty interest rates and incentives.

Loan to Value Range

SBA Loans

General Office Space

Veterinarian / Medical

Light Industrial

Warehouse

Church / Non-Profits

up to 90% LTV

75% – 85% LTV

75% – 85% LTV

75% – 85% LTV

65% – 75% LTV

65% – 75% LTV

Loan to Value Range

SBA Loans
up to 90% LTV

General Office Space
75%-85% LTV

Veterinarian / Medical
75%-85% LTV

Light Industrial
75%-85% LTV

Warehouse
65%-75% LTV

Church / Non-Profits
65%-75% LTV

The most popular commercial loan programs we offer are on multi- family, office, retail and industrial properties, while the most requested loan program is our Interest-Only Option.

Interest Rate Programs

The most popular commercial loan programs we offer are on multi-family, office, retail and industrial properties, while the most requested loan program is our Interest-Only Option.

30-Year Fixed

The 30 Year Fixed program is the most favorable program for long term stability.

5/1, 7/1, 10/1 ARMS

The fixed rate / adjustable rate options offer the most favorable interest rates and terms.

Pre-Payment Penalty

Most commercial loans do demand some type of pre-payment penalty. Typically, the pre-payment penalty can be up to 5 years. Waiting 5 years can be a long time if you need to refinance and or sell the property. Our investors allow us the option to buy down or buy out the pre-payment penalty.

Full Recourse / Non-Recourse

In commercial lending, many clients are not comfortable being personally responsible for the mortgage loan in case an issue comes up that is beyond their control. Thus, we offer full recourse and non-recourse loans so that the borrower is not personally responsible for the loan.

Temporary Bridge Loans

A bridge loan is a great option for those who need a quick close on a purchase or quick money due to time constraints. Under normal circumstances, from start to finish, we can close a bridge loan in two weeks or less. Depending on your ultimate goals, we would finance a bridge loan with no pre-payment penalty so that we could eventually refinance to a more favorable rate and term.

Interest Rate Programs

The most popular commercial loan programs we offer are on multi-family, office, retail and industrial properties, while the most requested loan program is our Interest-Only Option.

30-Year Fixed

The 30 Year Fixed program is the most favorable program for long term stability.

5/1, 7/1, 10/1 ARMS

The fixed rate / adjustable rate options offer the most favorable interest rates and terms.

Pre-Payment Penalty

Most commercial loans do demand some type of pre-payment penalty. Typically, the pre-payment penalty can be up to 5 years. Waiting 5 years can be a long time if you need to refinance and or sell the property. Our investors allow us the option to buy down or buy out the pre-payment penalty.

Full Recourse / Non-Recourse

In commercial lending, many clients are not comfortable being personally responsible for the mortgage loan in case an issue comes up that is beyond their control. Thus, we offer full recourse and non-recourse loans so that the borrower is not personally responsible for the loan.

Temporary Bridge Loans

A bridge loan is a great option for those who need a quick close on a purchase or quick money due to time constraints. Under normal circumstances, from start to finish, we can close a bridge loan in two weeks or less. Depending on your ultimate goals, we would finance a bridge loan with no pre-payment penalty so that we could eventually refinance to a more favorable rate and term.

Begin your loan process today!