Is Your Commercial Real Estate Loan Maturing? Start Your CRE Refinance Early.

$875 Billion of Commercial Mortgage Debt Is Scheduled to Mature in 2026

Commercial real estate owners with maturing loans are facing an important question:

What will happen when your current commercial mortgage comes due?

According to the Mortgage Bankers Association (MBA), approximately $875 billion of outstanding commercial mortgage debt is scheduled to mature in 2026. That represents about 17% of the approximately $5.0 trillion in outstanding commercial mortgages.

For property owners, a loan maturity is not something to address at the last minute.

If your commercial real estate loan is maturing within the next 6–18 months, now may be the time to begin reviewing your refinancing options.

Why Start Your Commercial Loan Refinance Early?

Refinancing a commercial property can take time.

Lenders may evaluate:

• Property value

• Current occupancy

• Net operating income (NOI)

• Debt-service coverage ratio (DSCR)

• Loan-to-value (LTV)

• Tenant quality and lease terms

• Property type and location

• Borrower's financial strength

• Existing loan terms

• Current market conditions

• Requested loan amount

• Exit strategy

If your property has experienced lower occupancy, reduced NOI, declining property values, or other challenges since the original loan was originated, refinancing may require additional planning.

Starting early gives the borrower more time to evaluate alternatives rather than waiting until the existing loan reaches its maturity date.

Commercial Real Estate Refinancing Can Be More Complicated Today

Many commercial property owners originally financed their properties when interest rates and underwriting conditions were different.

Today, borrowers may be dealing with:

• Higher borrowing costs than their existing loan

• Lower property valuations

• Higher lender underwriting requirements

• Changes in DSCR requirements

• Vacancies or lease expirations

• Reduced property income

• Maturing interest-only periods

• Balloon payments

• CMBS loan maturities

• Bank loan maturities

• Construction or bridge loan maturities

This does not necessarily mean refinancing is impossible.

It means the right financing strategy needs to be evaluated before the maturity date.

Commercial Partners of Texas Can Help You Explore Your Options

Commercial Partners of Texas works with commercial real estate owners nationwide to identify potential financing solutions for maturing and existing commercial loans.

Depending on the property, borrower, loan amount, and financial circumstances, potential financing options may include:

• Conventional commercial mortgages

• Bank financing

• CMBS loans

• Bridge loans

• Private money

• Hard money

• Debt funds

• Life company financing

• DSCR-based financing

• Construction financing

• Cash-out refinancing

• Mezzanine debt

• Preferred equity

• Other structured commercial financing solutions

Our goal is to evaluate your situation and help identify lenders and capital sources that may fit your transaction.

Don't Wait Until Your Loan Matures

One of the biggest mistakes a commercial property owner can make is waiting until the loan maturity date is approaching before starting the refinancing process.

A refinance may require property financials, rent rolls, operating statements, leases, borrower information, appraisal or valuation work, environmental reports, title work, and other documentation.

The earlier you begin, the more time you may have to address potential underwriting issues.

Is Your Loan Maturing in 2026 or 2027?

If your commercial mortgage matures within the next year or two, contact Commercial Partners of Texas before your maturity date gets too close.

We can review your existing loan, property type, occupancy, NOI, loan balance, current value, and financing objectives and help you explore potential refinancing strategies.

We Finance Many Types of Commercial Properties

Commercial Partners of Texas works with owners of:

• Industrial and warehouse properties

• Retail centers

• Office buildings

• Multifamily properties

• Hotels

• Self-storage

• Medical and healthcare properties

• Mixed-use properties

• Investment properties

• Commercial land

• Owner-occupied properties

• Special-purpose properties

Whether your property is fully stabilized or has challenges such as vacancy or lower-than-expected income, it may still be worth exploring your refinancing options.

Your Loan Is Maturing. What Should You Do?

If your commercial mortgage is approaching maturity, consider starting the process early.

Don't wait until the final months to find out whether your existing lender will refinance the loan or whether another capital source may offer an alternative.

Commercial Partners of Texas can help you evaluate potential options for refinancing, restructuring, or replacing your existing commercial mortgage.

Contact Commercial Partners of Texas

Commercial Partners of TexasHouston, Texas | Commercial Real Estate Financing Nationwide

Phone: (832) 607-1113Email: george@amerimort.comWebsite: www.amerimort.com

Is Your Commercial Loan Maturing?

If your CRE loan is maturing in 2026, 2027, or beyond, contact us early.

Tell us your property type, location, current loan balance, maturity date, approximate property value, occupancy, and NOI, and we can begin evaluating potential refinancing options.

Commercial Partners of Texas — helping commercial property owners navigate CRE financing nationwide.