Commercial Real Estate Mortgage Loan for 10 largest Texas Cities.

Call us for all commercial real estate loan and purchase or sales needs. 832.607.1113. George Tesfa

Commercial real estate mortgage loans are crucial for businesses looking to finance properties for retail, office space, industrial use, and other commercial purposes. In Texas, the demand for such loans is robust due to rapid urban growth and economic development. Here's an overview of the commercial real estate mortgage market in Texas's 10 largest cities, based on population size and business activity.

1. Houston

• Population: ~2.3 million

• Primary Sectors: Energy, healthcare, aerospace, manufacturing, and shipping.

• Commercial Real Estate Demand: High demand for office buildings, retail spaces, and industrial properties.

• Loan Characteristics: Competitive interest rates due to Houston's stable economic growth, large deals in energy-related facilities, warehouses, and mixed-use spaces.

2. San Antonio

• Population: ~1.5 million

• Primary Sectors: Military, healthcare, oil & gas, and tourism.

• Commercial Real Estate Demand: Industrial spaces, healthcare facilities, and hotels.

• Loan Characteristics: Attractive terms for healthcare-related projects and hospitality developments, alongside downtown commercial expansions.

3. Dallas

• Population: ~1.4 million

• Primary Sectors: Finance, tech, telecommunications, and transportation.

• Commercial Real Estate Demand: Office parks, retail centers, mixed-use developments, and logistics hubs.

• Loan Characteristics: Large loan deals for Class A office spaces and tech headquarters, with flexible terms for technology-related infrastructure projects.

4. Austin

• Population: ~1 million

• Primary Sectors: Tech, education, and government.

• Commercial Real Estate Demand: Office spaces for tech companies, retail, and entertainment venues.

• Loan Characteristics: Competitive rates for tech campus projects, downtown office buildings, and coworking spaces.

5. Fort Worth

• Population: ~950,000

• Primary Sectors: Aerospace, defense, and transportation.

• Commercial Real Estate Demand: Industrial facilities, logistics centers, and business parks.

• Loan Characteristics: Structured financing for industrial properties and distribution centers, favorable terms for long-term logistics investments.

6. El Paso

• Population: ~680,000

• Primary Sectors: Manufacturing, military, and trade.

• Commercial Real Estate Demand: Industrial properties, warehouses, and cross-border trade facilities.

• Loan Characteristics: Loans catered to cross-border trade and logistics, with competitive rates for industrial expansions.

7. Arlington

• Population: ~400,000

• Primary Sectors: Entertainment, tourism, and sports.

• Commercial Real Estate Demand: Retail, entertainment venues, and hotels.

• Loan Characteristics: Favorable terms for tourism-related projects and sports venue development, particularly around AT&T Stadium and Globe Life Field.

8. Corpus Christi

• Population: ~320,000

• Primary Sectors: Oil refining, shipping, and tourism.

• Commercial Real Estate Demand: Shipping and logistics centers, oil-related infrastructure, and retail.

• Loan Characteristics: Financing options tailored to maritime and oil infrastructure, with long-term rates for industrial properties.

9. Plano

• Population: ~290,000

• Primary Sectors: Technology, finance, and insurance.

• Commercial Real Estate Demand: Office buildings, tech campuses, and corporate headquarters.

• Loan Characteristics: High-value loan deals for corporate headquarters, flexible financing for tech-related office parks.

10. Lubbock

• Population: ~260,000

• Primary Sectors: Agriculture, education, and healthcare.

• Commercial Real Estate Demand: Healthcare facilities, office spaces, and retail centers.

• Loan Characteristics: Tailored loans for medical facilities and educational institutions, with stable rates for long-term office and retail development.

General Loan Features Across Texas Cities:

• Interest Rates: Typically 5% to 8%, depending on creditworthiness, location, and property type.

• Loan Terms: 5 to 25 years, depending on the project scope and financial institution.

• LTV Ratios: Generally range from 60% to 80%, depending on the type of property and borrower’s financials.

• Amortization: Often 20-30 years with balloon payments, though shorter-term options are available.

The Texas commercial real estate market is attractive to investors and businesses due to the state's growing economy, tax-friendly policies, and diverse industries. Mortgage loans for commercial properties in these cities typically come with a range of options, including fixed-rate, adjustable-rate, and construction loans, depending on the lender.