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“Purchase a commercial property to either launch or grow your commercial real estate portfolio.”

“Teachers is well-versed in commercial real estate. We have skilled analysts that underwrite loans and an experienced portfolio management team that services Commercial loans.”

“Complete the form below and one of our lending experts will be in touch. Business Name First Name Last Name Email Email Email Confirmation Business Address Street Address Unit, Suite, etc... City/Town State State Alabama Alaska American Samoa Arizona Arkansas Armed Forces (Canada, Europe, Africa, or Middle East) Armed Forces Americas Armed Forces Pacific California Colorado Connecticut Delaware District of Columbia Federated States of Micronesia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Marshall Islands Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Mariana Islands Ohio Oklahoma Oregon Palau Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nova Scotia Northwest Territories Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon ZIP/Postal Code Phone Number Property Type - None - Retail Facility Office Building Mixed-use Shopping center/ Strip mall Professional Cond/Co-op Industrial/Manufacturing Multi-Family (at least 5 units) Special Purpose Hotel Commercial Property Location Purchase or Refinance Purchase Refinance Estimated Loan Amount How did you hear about us? - Select - Ad on TV Ad in Newspaper Ad Online Trade Show or Community Event Email from Teachers Teachers Newsletter Family or Friend Other Additional Details This question is for testing whether or not you are a human visitor and to prevent automated spam submissions. Submit *Commercial real estate lending products are subject to product availability and subject to change. Actual loan terms, loan to value requirements, and documentation requirements are subject to product criteria and credit approval. Membership required, $1.00 minimum Regular savings account is required at or prior to account opening. You must be 18 years old or otherwise have the ability to legally contract for automotive financing in your state of residence, and either a U.S. citizen or resident alien (permanent or non-permanent). Commercial real estate lending products are currently only available in the following states: NY, NJ, CT and FL.”

“You’ll get exceptional service – you can speak with a business development officer directly anytime. Teachers is well-versed in commercial real estate. We have skilled analysts that underwrite loans and an experienced portfolio management team that services Commercial loans. Teachers accepts various ownership structures including LLCs, partnerships, trusts, not-for-profits, S-corporations,C-corporations, and Individuals. We offer competitive rates and flexible terms with loan amounts up to 8 figures. No prepayment penalty – ever! Loan Terms (self-liquidating or up to 30 year amortization): 5-year, 10-year, & 15-year fixed terms loans 15-year adjustable (5-year/5-year/5-year) 15-year adjustable (10-year/5-year) 14-year adjustable (7-year/7-year) Property Types: Retail Facility Office Building Mixed-use Shopping center/ Strip mall Professional Cond/Co-op Industrial/Manufacturing Multi-Family (at least 5 units) Special Purpose Hotel Finance commercial real estate purchases or refinances with a Teachers Federal Credit Union Commercial Mortgage. Uses: Refinance a commercial property to restructure existing debt at a lower interest rate. Refinance to tap into the equity of your property and cash out full or partial proceeds for further business uses or real estate investments. Purchase a commercial property to either launch or grow your commercial real estate portfolio. Purchase the premises of your business in order to owner-occupy the property and "own rather than rent." Make an Appointment Schedule Appointment”

“A signed contract with a registered builder, including details about the scope, specifications, materials, and cost of construction for your proposed building work.”

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“Ready to break ground on a new-construction home of your own? A Tennessee Valley Federal Credit Union construction loan offers fixed-rate financing during the build phase of your project that transitions to a regular home loan once construction is complete. Our Construction-to-Permanent Loan releases money in “draws” as funds are needed for construction. Interest-only payments are required during the building phase, with principal-plus-interest repayments due once the loan changes to a permanent mortgage. Here’s how our Construction-to-Permanent Loans work: Loan amount: The size of the loan you are offered is based on a fixed-price or cost-plus contract submitted by your builder. 12–18 month build period. We allow up to 12 months to complete your build, or up to 18 months for jumbo projects. Draws based on progress: Funds are usually released in up to 12 draws, or 18 for larger projects. Inspections: In addition to our regular appraisal process, site inspections are carried out before each draw is released. Interest-only payments: While you can pay only interest due on draws, this amount will rise as more money is borrowed. Construction Account: Funds are disbursed to a Construction Account. From which payment is made to the builder for work completed. No Appraisal Fees - Save Hundreds!: At TVFCU, we’ll pay for your appraisal fee, saving you over $600 upfront to make it easier to secure the property you want*. Apply Now View Rates”

“Embarking on a homeownership journey is a major milestone, and choosing the right mortgage is crucial. These calculators can quickly help you determine the loan type and amount that’s right for you. View Calculators”

“Construction Account: Funds are disbursed to a Construction Account. From which payment is made to the builder for work completed.”

“Fixed-rate financing options to take you from blueprint to built—and beyond Apply Now View Rates”

“While many construction loan lenders will require 20% or more down for most construction loans, at TVFCU, we’re able to finance loans with as little as 5% down (95% financing) for qualified borrowers.”

“Apply Now View Rates”

“Own a home for less. FHA loans offer down payments as low as 3.5% for all qualifying applicants — even if you have less than perfect credit. Learn More”

“Our 15, 20, and 30 year construction-to-permanent loan rates are determined by a number of factors, including the size of the loan being sought, as well as your credit score, income, and debt-to-income ratio.”

“To qualify for a construction loan, you need to provide all the documentation required for a conventional mortgage, including: Proof of income and information about your expenses and existing debts. A signed contract with a registered builder, including details about the scope, specifications, materials, and cost of construction for your proposed building work. Proof of further savings to cover cost overruns or unexpected expenses during construction.”

“Applying for a Construction-to-Permanent Loan is straightforward. Just follow these steps! Step 1 - Meet our mortgage team and apply today. Submit details of your proposed construction project. Including a builder’s contract. Step 2 - We’ll process your construction loan application. We’ll review the plans, specs, materials, and budget submitted by your builder, as well as your personal financial information. Step 3 - Close Your Loan Lock in a rate for both the construction and permanent phases of your project and close on your loan. You and your builder will soon receive a welcome call introducing you to our construction lending team. Get Started”

“Idea Leap Loans Idea Leap Grant”

“Loans for construction do require more documentation than conventional mortgages. Construction loan options also typically require higher credit scores than those needed for mortgages, home equity loans, or other conventional loan types.”

“Invest in your future. Buy a home with more space or amenities for your family and get the same competitive rates and great hometown service. Learn More *Exclusions apply. Call Us 423-634-3600 Video Chat with tvfcuLIVE Email Us Fee Schedule Membership Agreements Terms & Conditions Website Terms & Privacy Accessibility Statement Site Map Message and data rates may apply. © 2026 Tennessee Valley Federal Credit Union. All rights reserved. Leaving our site You are leaving our website. By clicking Accept, you acknowledge you are navigating away from our website to a website that we do not control. We are not responsible for the content or privacy and security practices of any other website. We encourage you to review the privacy policy for every website you visit. Close Accept”

“Lack of income stability. You must show steady income and the ability to manage your payments during construction and once full payments are due under your fixed-rate permanent loan.”