What to Do When Your Commercial Real Estate (CRE) Loan Is Expiring.

As interest rates climb and lending conditions tighten, many commercial real estate (CRE) owners are facing a critical question: What do I do when my commercial real estate loan is expiring? Whether you own an office building, retail center, industrial property, or multifamily asset, understanding your options can help you avoid foreclosure, minimize losses, and potentially uncover new opportunities.

At Commercial Partners of Texas, we specialize in helping CRE owners in Texas navigate loan maturities, refinancing challenges, and property dispositions. Here's what you need to know.

🚨 Why Expiring CRE Loans Are a Big Deal in 2025

From 2024 through 2026, over $1.5 trillion in CRE debt is maturing nationwide. Many of these loans were originated in a low-interest-rate environment and now face refinancing in a market where rates are double or even triple those original terms.

If your loan is maturing soon, you're not alone — but time is critical.

6 Steps to Take When Your Commercial Real Estate Loan Is Expiring

1. Evaluate Your Loan Terms and Timeline

Start by reviewing your loan documents:

• What is your exact maturity date?

• Is there a balloon payment due?

• Are there prepayment penalties or extension options?

Knowing these details gives you the foundation to act strategically.

2. Get a Realistic Property Valuation

Your ability to refinance depends largely on the current value of your property and its net operating income (NOI). Lenders today are more conservative, so a recent appraisal or broker opinion of value (BOV) is essential.

💡 Tip: Property values may have declined due to rising cap rates — be prepared for a gap in refinance proceeds.

3. Explore Refinance Options

Refinancing is possible, but tougher:

• Banks and credit unions are tightening CRE lending.

• Debt funds and private lenders may offer bridge or mezzanine loans.

• SBA 504 loans can be a good fit for owner-occupied properties.

If you're struggling to qualify for traditional refinancing, consider alternative financing or joint ventures.

4. Renegotiate with Your Current Lender

If refinancing is difficult, talk to your existing lender. They may offer:

• A loan extension

• Interest-only periods

• Forbearance or workout agreements

Lenders may prefer cooperation over foreclosure, especially if property values are soft.

5. Consider Selling the Property

If refinancing isn’t viable, selling the property may be the smartest option — before the loan comes due.

At Commercial Partners of Texas, we help owners sell directly to cash buyers or list off-market properties to avoid distress sales. We also buy properties as-is, with no commissions or long wait times.

6. Talk to a CRE Loan Expert

Every property and financial situation is unique. Working with a team that understands the commercial lending landscape — and has access to real buyers and funding sources — can be the difference between profit and loss.

💼 We Help Texas CRE Owners Navigate Expiring Loans

At Amerimort.com, we assist commercial property owners in:

• Houston, Dallas, Austin, San Antonio, and all of Texas

• Finding refinancing or bridge loan options

• Selling quickly before a loan maturity

• Buying distressed CRE assets

If your commercial real estate loan is expiring in the next 6–12 months, don’t wait. Contact us now for a free, confidential consultation.

📞 Call Today: 832-607-1113

📧 Email: george@amerimort.com

Let’s work together to protect your investment and find the best solution for your property.