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“You may obtain your loan payoff amount by calling us at 541-928-4536 . Please note that your payoff amount is different than the balance reported online or on your statement. Please mail your loan payoff to: Central Willamette Credit Union PO Box D Albany OR 97321 or our overnight address at Central Willamette Credit Union 7101 Supra Dr SW Albany OR 97321.”

“Commercial Real Estate Loans including all types of office buildings, industrial, and retail properties with maturities up to 20 years, and payment schedules as long as 30 years. Investment properties, single family and multi family residences. Financing or refinancing commercial real estate. We can finance properties anywhere in Oregon. Minimum $50,000 Maximum depends on the value of the collateral. Up to 80% loan to value. Real Estate Secured Line of Credit Available VISIT A BRANCH”

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“To apply for a Business Loan or to schedule an appointment, please contact a Business Banking Relationship Manager from the list below or you may visit any one of our branches across Southern California. Previous Next Los Angeles / Orange County Areas Meline Zograbyan (818) 291-5437 [email protected] Brendon Doyle (818) 291-5474 [email protected] San Diego / Riverside Areas Gil Espino (858) 769-7108 [email protected] Jeff Barger (858) 769-7303 [email protected] All Other Areas (800) 293-6494”

“Competitive rates: Credit unions often offer more competitive interest rates on commercial real estate loans compared to traditional banks”

“Debt-service coverage ratio (DSCR): Lenders usually require a ratio of 1.20x or higher for multifamily properties, and 1.30x or higher for other commercial property types. Special purpose properties may have a higher DSCR requirement”

“Download the CCU Mobile Banking App Stay connected to your accounts wherever you go, whenever you need. Routing Number: 322078464 NMLS #401403 Equal housing opportunity logo Federally Insured by NCUA This credit union is federally insured by the National Credit Union Administration. Charter #24980 National Credit Union Administration. California Credit Union is committed to providing a website that is accessible and inclusive for everyone. Through these ongoing efforts, we aim to comply with all applicable guidelines, including WCAG 2.1 at levels A and AA. All loans subject to approval. *APY = Annual Percentage Yield **APR = Annual Percentage Rate ©2026 California Federal Credit Union Do Not Sell or Share My Personal Information Right to Opt-Out of Sale/Sharing (For California Residents Only) The California Consumer Privacy Act (“CCPA”) provides California residents the right to opt-out to the selling of their personal information or sharing personal information for purposes of cross-context behavioral advertising. We do not sell your personal information or share it with others in ways that will be considered a “sale” under the CCPA. You may opt-out of cross-context behavioral advertising by visiting our “ Cookies Settings ” and switching off targeting cookies. Furthermore, targeting cookies should automatically be turned off if your browser’s Global Privacy Control (“GPC”) is enabled and sends out opt-out preference signals from your browser. Cookie Preferences”

“Credit union commercial real estate loans follow a similar structure to other commercial financing, but with a member-focused approach. You apply through your credit union, provide documentation about the property and your finances and go through underwriting. Once approved, you receive funding based on the property’s appraised value and your financial profile. At California Credit Union, loan amounts go up to $15 million with up to 15-year terms and up to 30-year amortization. Interest rates are also often more competitive than what you’d get at a traditional bank.”

“Down payment requirements for these loans are typically anywhere from 15% to 35% of the property’s purchase price. The exact amount depends on the property type, your creditworthiness and lender requirements.”

“Read Now Visit Learn Center Previous Next Terms and Conditions 1 As of February 2, 2024, an example principal and interest payment on a $1,000,000.00, 10-year fixed-rate loan at 7.250% annual percentage rate amortized over 25 years is $7,312.66. This payment example does not include taxes and insurance premiums; actual payment may be higher. These loan offers are subject to credit approval and satisfactory appraisal. No application fee. Other restrictions may apply. Programs, rates, terms, and conditions are subject to change.”

“Loans processed locally by underwriters who understand California commercial real estate market”

“Local expertise: At California Credit Union, loans are processed by local underwriters who understand the California commercial real estate market”

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“Whether it’s for your own business or for investment, we are your direct source for long term, permanent commercial real estate loans. Financing is available for commercial/industrial sites, office buildings, multi-family units and retail centers. Loan amounts up to $15 million Competitive rates, terms and fees No prepayment penalties Up to 30-year amortization 1 Loans processed locally by underwriters who understand California commercial real estate market Set up convenient automatic loan payments from a Business Checking account”

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“Qualification requirements vary by lender, but most credit unions evaluate a few standard factors. You’ll generally need to meet these requirements: Credit history: A good credit score shows lenders you have a reliable track record with debt. Most lenders review your FICO score as part of the evaluation Business financials: Lenders want to see stable revenue, positive cash flow and organized financial records Down payment: As mentioned above, expect to put down 15% to 35% of the property’s value Property appraisal: The commercial property must be professionally appraised to confirm its market value Debt-service coverage ratio (DSCR): Lenders usually require a ratio of 1.20x or higher for multifamily properties, and 1.30x or higher for other commercial property types. Special purpose properties may have a higher DSCR requirement”

“When you compare a bank vs. credit union , one of the biggest differences is structure. Credit unions are member-owned, which means profits go back to members through better rates and lower fees. Here are some of the benefits of a credit union for commercial real estate loans: Competitive rates: Credit unions often offer more competitive interest rates on commercial real estate loans compared to traditional banks Lower fees: Because credit unions aren’t driven by shareholder profits, they tend to charge fewer and lower fees throughout the loan process Local expertise: At California Credit Union, loans are processed by local underwriters who understand the California commercial real estate market Flexible terms: Many credit unions work with borrowers on repayment structures that fit their business needs, and you can set up automatic payments from a Business Checking account for added convenience”

“Credit union commercial real estate loans can cover a wide range of property types. Here are some of the most common uses: Office buildings: Purchase or renovate a building for your business operations Retail centers: Finance storefronts, shopping centers or standalone retail locations Commercial and industrial sites: Acquire facilities for manufacturing, storage or distribution Multi-family units: Fund residential apartment buildings or multi-unit housing complexes Some members also use a business line of credit alongside a commercial real estate loan to cover renovations or operating costs during the transition into a new space.”

“A commercial real estate loan is a type of financing used to purchase, develop or renovate properties that serve a business purpose. Unlike residential home loans, these loans are designed for income-producing properties like office buildings, retail spaces, warehouses and mixed-use developments. The property typically serves as collateral.”

“SBA 504 loans are partially backed by the U.S. Small Business Administration, which reduces lender risk and allows lower down payments. SBA loans are for small businesses looking to purchase or improve fixed assets like commercial property or heavy equipment. They involve a three-party structure: a traditional lender, a Certified Development Company (CDC) and the borrower. Conventional commercial real estate loans are funded entirely by the lender without government backing. They usually come with higher down payment requirements, but they offer more flexibility in how the money can be used. The approval process is also typically faster since no government agency is involved. Which option is right for you depends on your business size, financial profile and timeline. A credit union loan officer can help you compare both options.”

“We work with all types of property. One- to four-family residential or commercial buildings, including those with a special purpose. We offer competitive fixed and variable rates designed to meet your credit and market conditions. For the latest details on rates, fees, and closing costs, talk to us. We’re here to support your financial goals every step of the way. Let’s Connect”

“Whether you’re purchasing a new property or refinancing a commercial mortgage, Call Federal offers expert insights, personalized guidance, and local decision-making you can trust. Page Menu What To Know Benefits Rates FAQS Get Started Checkmark”