Program workspace

“construction financing”

“multifamily and apartment loans”

“Commercial Real Estate”

“Commercial Real Estate Lending”

“Yes, we offer both fixed and variable interest rate options to meet your financial planning needs and risk tolerance.”

“Competitive loans for acquiring, building, or renovating commercial properties. Home | Business | Industry Solutions | Commercial Real Estate Lending”

“A commercial real estate (CRE) loan is a type of loan used to finance the purchase, development, or refinancing of commercial properties, such as office buildings, retail spaces, industrial warehouses, multifamily apartment complexes, and other income-generating properties. Unlike residential mortgages, CRE loans are specifically designed for properties intended for business purposes rather than personal use. CRE loans are often sought by businesses, investors, or developers looking to expand their operations, invest in property, or finance large commercial projects. These loans can vary in terms of loan size, interest rates, repayment terms, and the type of collateral used, depending on the nature of the property and the borrower’s needs. Some key features of CRE loans include: • Loan terms : Typically shorter than residential loans, often ranging from 5 to 20 years. • Down payments : Generally require larger down payments, typically around 20% to 30% of the property’s purchase price. • Interest rates : Can be fixed or variable, depending on the type of loan and lender. • Repayment structures : Some CRE loans may be structured with interest-only periods or balloon payments at the end of the loan term. These loans are vital for businesses looking to acquire, expand, or improve their real estate holdings, as they provide the necessary capital to complete large-scale transactions.”

“Meet with a Small Business Specialist to review whether an Owner-Occupied Commercial Real Estate Loan fits your plans to purchase or refinance.  Book an appointment Your questions, answered What is an Owner-Occupied Commercial Real Estate Loan? An owner-occupied commercial real estate (OOCRE) loan is a business loan used to purchase, refinance, or renovate property that your business primarily operates from. To qualify as owner-occupied, your business must typically occupy at least 51% of the property. These loans are commonly used for offices, medical practices, retail spaces, warehouses, and mixed-use commercial buildings. Can I refinance a building my business already owns? Yes. This type of loan may be used to refinance a building your business already owns based on your current needs. How is an owner-occupied commercial real estate loan different from an investment property loan? An owner-occupied commercial real estate loan is designed for businesses that operate out of the property. An investment property loan is intended for properties leased primarily to tenants. The key difference is usage. With an OOCRE loan, your business occupies most of the building. With an investment loan, the property is primarily rented to others. How do I start an Owner-Occupied Commercial Real Estate Loan request? Small business lending begins with a conversation in a financial center with a Small Business Specialist who can review your property plans and outline next steps. Do I need to be a member before applying? You do not need to be a member to begin the conversation, but membership is required before approved loans are closed.”

“Loan terms are shaped around the way your business works from the property and what the building supports each day.”

“An Owner-Occupied Commercial Real Estate Loan can help finance the purchase of the building where your business serves customers and handles day-to-day work.”

“When your business runs from the building you own, financing decisions shape more than a monthly payment. An Owner-Occupied Commercial Real Estate Loan can help with purchasing a building or refinancing the one you already use.”

“If your business owns its building, refinancing may help adjust your loan based on current goals and the value of the property.”

“Begin construction. Loan funds are released in stages after inspections.”

“Bridge Loans”

“Our Construction Loan rates are competitive to help you manage building costs. --> -->”

“Yes, you can make extra principal only payments on your loan as frequently as you like. Loan must be current to apply extra principal payments. --> -->”

“Curious how a Construction Loan fits into your budget? Use our calculator to see how different loan amounts, rates, and terms affect your monthly payments. With smart planning and local, trusted Oklahoma-based support, you’ll be ready to build with confidence. *Your actual term and payment will be provided upon acceptance of an Allegiance Credit Union loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.”

“FICO SCORE APR* Max. LTV** 730+ 6.750% 80% 680 - 729 6.875% 80% 640 - 679 7.125% 80% 620 - 639 7.375% 80% Effective Date March 30, 2026 *APR = Annual Percentage Rate. **Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting. ***ARM = Adjustable-Rate Mortgage; call for details”

“Construction Loans”

“When you're ready to build from the ground up or are ready to take on a major renovation, a Construction Loan from Allegiance Credit Union can bring your Oklahoma dream home to life. These short-term loans cover the cost of construction and can even convert to a traditional mortgage once your home is complete. With flexible terms and local guidance you can trust, get pre-approved today, and start turning your plans into progress. -->”

“Convert to a traditional mortgage once construction is complete for long-term financing.”

“After nurturing that credit score and saving up a down payment, it’s time to realize the American... Read More Explore Resources”

“No, you only qualify once at the beginning of the process and the loan automatically rolls into your permanent mortgage when construction is complete. --> -->”

“If you feel there is an incorrect charge, misapplied payment, or other error, please notify our mortgage team immediately. All requests must be in writing on a separate piece of paper and submitted to: Allegiance Credit Union Attn: Mortgage Servicing 4235 N Meridian Ave Oklahoma City OK 73112 For Error Resolution include: Your Name Mortgage or Account Number and Error For Mortgage Service Requests include: Your Name Mortgage or Account Number and Request Details Contact Us”

“If you feel there is an incorrect charge, misapplied payment, or other error, please notify our mortgage team immediately. All requests must be in writing on a separate piece of paper and submitted to: Allegiance Credit Union Attn: Mortgage Servicing 4235 N Meridian Ave Oklahoma City OK 73112 For Error Resolution include: Your Name Mortgage or Account Number and Error For Mortgage Service Requests include: Your Name Mortgage or Account Number and Request Details Contact Us The SAFE Act " style="display: none;">”