Texas Commercial Mortgage Rates – Updated November 10, 2025.
- George Tesfa
- Nov 11, 2025
- 2 min read
Texas Commercial Mortgage Rates – Updated November 10, 2025
By Commercial Partners of Texas – www.amerimort.com📞 832-607-1113 | ✉️ george@amerimort.com
Current Texas Commercial Mortgage Rates (as of November 10, 2025)
Loan Type | Interest Rate | Maximum Loan-to-Value (LTV) |
Multifamily Loan / Agency | 5% ( Takes longer ) | Up to 80% |
Commercial Real Estate Loan | 6.20% | Up to 75% |
Single Tenant Lease (NNN) | 6.05% | Up to 75% |
Business Owner-Occupied | 5.85% | Up to 90% |
Understanding Texas Commercial Mortgage Rates
Commercial mortgage rates in Texas are influenced by several factors, including Treasury yields, credit quality, property type, and loan structure. As of November 2025, rates remain historically competitive, even as lenders continue to tighten underwriting standards in certain markets.
Multifamily Loans (5.26%) – These loans remain the most attractive due to strong performance across Texas markets like Houston, Austin, and Dallas. Lenders such as life insurance companies and agencies (Fannie Mae, Freddie Mac) continue to favor stabilized apartment properties.
Commercial Real Estate Loans (6.11%) – Traditional office, retail, and industrial loans are averaging in the low 6% range, with leverage typically capped at 75%.
Single Tenant Lease Loans (5.71%) – Investors with long-term triple-net (NNN) leases to national tenants continue to see better pricing and stronger lender appetite.
Business Real Estate Loans (5.91%) – Owner-occupied and SBA 504/7(a) loans offer higher leverage (up to 90%) with favorable fixed-rate options for business owners buying their own property.
Texas Market Snapshot
Texas remains one of the strongest commercial real estate markets in the country, with steady rent growth, population expansion, and resilient demand across sectors. Lenders continue to favor:
Multifamily in high-growth metros
Industrial and logistics near ports and interstates
Owner-occupied commercial properties
Credit-tenant retail and medical offices
While interest rates have increased from the ultra-low levels seen in 2021–2022, investors are still finding attractive returns and refinancing opportunities through structured financing.
How to Get the Best Commercial Mortgage Rate in Texas
To secure the lowest rate and best terms, work with a commercial mortgage advisor who understands lender programs across banks, credit unions, life companies, and private lenders. At Commercial Partners of Texas, we tailor each loan request to fit the property type, borrower profile, and desired structure — maximizing leverage and minimizing cost.
We handle:
Acquisition and refinance loans
Bridge and construction financing
Owner-occupied SBA loans
Permanent life company loans
Get a Free Commercial Loan Quote
If you’re buying or refinancing commercial real estate anywhere in Texas, contact Commercial Partners of Texas today for a free rate quote and loan comparison.
📞 Call 832-607-1113✉️ Email george@amerimort.com🌐 Visit: www.amerimort.com
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