Office Loans

Our superior customer service, speed and efficiency is what sets us apart from the pack when it comes to Office Loans. Many commercial real estate lenders will finance office properties, so it is the intangibles that will determine the best place to get a loan for an office property. Professionalism, integrity, and superior customer service is what you will find to be the core values of Mission Oaks National Bank.

We can offer office financing for the following purposes: Purchase, Refinance, Cash-out, Renovation, and New Construction with loan amounts from $250,000 to $15,000,000.

We have SBA and Conventional Office Loan Programs available.

Here is our general criteria for office loans:

Other Property Types:

Office

Warehouse

Automotive

Retail

Restaurant

Assisted Living

Day Care

Fast Facts for Brokers:

Minimum Loan Amount:
$250,000

Maximum Loan Amount:
$15,000,000

Recommended Minimum Credit Score:
600

Property Types:
Commercial R.E. & Multi-Family

Loan Programs:
Conventional and SBA

Minimum DSCR:
1.20

Documentation Type:
Full-Doc

Lender Type:
Bank / Direct

Recourse Type:
Full and Non-Recourse Available

Office Loans	Max LTV:	Min. Bwr. Equity:	Min. Bwr. Credit:	Min. DSCR:	Max Loan Amount:	Minimum Loan Amount:
SBA Purchase:	90%	10%	600	1.20x	$15,000,000	$425,000
Conventional Purchase:	80%	10%	600	1.20x	$15,000,000	$250,000
SBA Construction:	80%	10%	600	1.20x	$4,000,000	$425,000
Conventional Construction:	80%	10%	600	1.20x	$4,000,000	$250,000
Conventional Refi:	80%	10%	600	1.20x	$15,000,000	$250,000
Investor Purchase/Refi:	80%	10%	600	1.20x	$15,000,000	$250,000

We have a common sense, yet creative approach to underwriting office loans. We know that net loss does not always mean negative cash flow. Many borrowers and brokers mistakenly assume that they cannot qualify for a full documentation office loan and in so doing, they pass up on an opportunity for a better rate and term. If you're not sure if the rental or business income will qualify as a full documentation loan, submit a loan package and let one of our Business Development Officers tell you if your scenario has enough cash flow.

Mission Oaks National Bank has an "outside the box" approach to commercial financing. If there is any way to make your commercial loan work, we're going to work hard to find the way. We won't quit at the first sign of difficulty nor will we back down from a challenge. Our job is closing commercial loans; and that's what we're going to do for you.

No Broker package Required! We accept open submissions!

Please feel free to check out our frequently asked questions, give us a call at 1-800-825-0522 or email us at loans@missionoaksfunding.com if you have any questions.

Request a Quote on your Office Loan today!

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