Commercial Financing Programs

Commercial Programs

$250,000 - $100,000,000



Our commercial real estate financing programs are varied and will be tailored to meet yoiur individual requirements.

Graco Mortgage is an independent, commercial company that originates loans along with referrals from our network of brokers throughout the USA.

Graco Mortgage provides mortgages for both owner-occupied and investor properties. With commercial loans from both bank and non-bank assets, we are able to offer flexible commercial financing with low fixed rates, 30 year terms, higher LTV's and quicker closings than banks.


Graco Mortgage provides the lowest permanent fixed-rate commercial real estate loans for the acquisition or refinance of stabilized properties including: Hotel, Industrial, Mobile Home Parks, Multifamily, Office, Retail, Self-storage and more.


With our programs we provide fast flexible commercial financing and small to large balance apartment building financing solutions for the business owners or investors for commercial real estate loan from $250,000 to $100,000,000.  Up to 90% LTV financing on owner occupied properties. 

Loans from $1,000,000 - No Maximum

* Owner-Occupied Properties or Investor Properties

* Traditional Commercial Properties Only

* 15, 20, 25, & 30 Year Amortizations             * 3, 5, 10, 15 Year Fixed Rates

* Up to  75% - 90% LTV                                 * Below Prime Rates

* No Balloons or Calls                                    * Cash Out to 40% of Loan Amount

* Fixed Declining Prepayment                         * Minimal Impound Reserves

* Recourse and Non-Recourse Options            * Minimum 660 Credit Score

* 3 Years of Historical Income is Required        * Minimum 1.20 DSCR


Flex-Series Conforming Commercial Loan Program


Small balance financing is a non-conforming, owner-occupied or investor commercial loan program providing up to 90% commercial financing and 30 year fixed rate terms, for both traditional; and non-traditional commercial properties.


Multi-family loans from $500,000 - $500,000,000

* Owner-Occupied Properties or Investor Properties

*Traditional or Non-traditional Commercial Properties

*Full Document, Low-Doc Income Options

* 30 Year Amortizations                   * 3 month, 2,5, & 30 Year Fixed Rates

* 90% LTV on Purchase                   * 85% LTV on Refinances

* Cash Out Refinances to 75%         * Cash Out to 40% of Loan Amount

* Flexible Prepayment Options         * 20% Annual Prepay With No Penalty

* Low Minimum 1.25 DSCR              * Minimum 620 Credit Score




  •  No Minimum - No Maximum
  • Construction
  • Purchase
  • Refinance
  • Cash Out
  • Revolving Lines of Credit
  • Working Capital
  • Accounts Receivable Financing