COMMERCIAL MORTGAGES
Commercial real estate financing built for your timeline
You need capital to move. We process applications without the runaround. Cumberland Mortgage Works handles commercial mortgages for investors, developers, and business owners who know what they want and expect clear answers.
Our team reviews your deal on its merits. We look at cash flow, market position, and your exit strategy. We don't waste time with forms that don't matter.
From acquisition to refinance, construction to stabilized assets, we close loans for real estate professionals who operate on real numbers and real timelines.
What we do
Commercial mortgages move at different speeds depending on asset type, loan size, and market conditions. Here's how we structure them.
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Acquisition Loans
Financing for income-producing property purchases. We evaluate the asset, your experience, and the business plan. Documentation requirements scale with loan size.
Explore purchase loans -
Refinance
Extract equity or reset terms on properties you already own. Rates and programs depend on current market conditions and your loan-to-value ratio.
See refinance options -
Construction Financing
Capital for ground-up development and major renovations. We advance funds in phases as work completes. Permanent financing converts at project stabilization.
Start your application
How commercial loans close
Every deal moves differently. A cash-flowing retail property closes faster than raw land. A repeat borrower with clean assets moves faster than a first-time developer. We build timelines around your situation, not templates.
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Application and Documentation
1-2 weeks
Submit your loan application with property details, financial statements, and business plan if applicable. We confirm what we need upfront. Most applicants complete this in one to two weeks.
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Underwriting and Appraisal
2-4 weeks
We review cash flow, verify income, and order the appraisal. Underwriting moves in parallel. This phase reveals deal structure issues early so we can address them.
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Clear to Close and Funding
1-2 weeks
Once underwriting approves, we order title work and final documentation. Closing happens at your title company. We fund same day or next business day.
Questions about commercial financing
Commercial mortgages have different rules than residential loans. Here are the details you need.
What are the minimum loan amounts?
We work with loans from 500,000 dollars and up. Smaller deals go faster because fewer parties need approval. Very large loans may require investor capital, which adds time but increases certainty.
Do you finance multifamily properties?
Yes. Multifamily from 5 to 100 units fits our business lending platform. Larger portfolios may need portfolio lenders or life insurance company capital.
What property types do you lend on?
We finance office, retail, industrial, hospitality, mixed-use, and multifamily. We do not lend on raw land without a development agreement in place, or on properties with significant deferred maintenance.