We have a variety of commercial loan programs available that vary from the traditional full document program to a stated income product. As you know, there are many factors which determine the eligibility of a property for financing and we therefore recommend that you call us so we can better understand your situation and objective. 

You may reach our Commercial Department at


Email: info@zerchingloans.com

Loan Programs Available

Available Loan Options

  • Subordinate Financing Allowed
  • Gift Funds Allowed
  • DTI up to 50%
  • Self Employed, In Business Less Than Two Years
  • Escrow for Repairs or Completion Allowed
  • Light Documentation Option
  • LTV as high as 75%
  • Loan amount $300,000 to $100,000,000
  • 2 to 10 Year Fixed Rate Terms

Loan Types

  • Traditional Bank Programs
  • Stated Income – Verifiable Asset
  • Private Money

Commercial Property Types

  • Multifamily
  • Office Buildings
  • Retail Centers

Transaction Types

  • Purchase
  • Refinance
  • Refinance Cash-out


Note: Programs are subject to change without notice. Each program has its own set of underwriting guidelines; please contact one of our Loan Professionals to find out the latest and specific program requirements.