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PRIVATE COMMERCIAL   MORTGAGE

Welcome to Cotton Funding and Investment Group. This page outlines the Basic Terms of our funding options. Applicant's seeking Custom Terms should get in touch with us.   At the Last Section of this page, you will find Video Reviews from recent clients we funded, as well as the Loan Application Form. 

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Eligible Properties 

  1. Office Buildings

  2. Retail Properties

  3. Industrial Properties

  4. Multifamily Residential Properties

  5. Hotels and Motels

  6. Self-Storage Facilities

  7. Mixed-Use Properties

  8. Healthcare Facilities

  9. Warehouses

  10. Special Purpose Properties (e.g., gas stations, car washes)

  11. Land Development Projects

  12. RV Park

  13. Mobile Home Park

Purchase Terms

  • Loan Amount: Up to $10 million

  • Interest Rate: Starting at 7.5% (fixed or variable options available)

  • Term Length: 5, 10, or 15 years

  • Amortization Period: Up to 30 years

  • LTV (Loan-to-Value) Ratio: Up to 90%

  • Prepayment Penalty: None for fixed-rate loans; variable rates may have a penalty

  • Origination Fee: 1%-2% 

  • 100% financing option available determined on a case-by-case basis.

 

 Rate and Term Refinance

Cotton Funding offers competitive refinancing options that allow you to lower your interest rate or adjust the term of your existing mortgage without taking cash out.

  • Loan Amount: Minimum of $100,000

  • Interest Rate: Starting at 7.25% (fixed or variable)

  • Term Length: Choose from 5, 10, or 15 years

  • Amortization Period: Up to 30 years

  • LTV Ratio: Up to 85% for rate and term refinances

  • Origination Fee: 1%-2% 

 Cash-Out Refinance

If you need access to cash for renovations, expansions, or other investments, our cash-out refinance option allows you to leverage your property’s equity.

  •  Minimum of $100,000

  • Interest Rate: Starting at 7.75%

  • Term Length: Available in 5, 10, or 15 years

  • Amortization Period: Up to 30 years

  • LTV Ratio: Up to 80%

  • Prepayment Penalty: None for fixed-rate loans; variable rates may have a penalty

  • Equity Requirement: you must hold a minimum of 20% equity on the property

  • Origination Fee: 1%-2% 

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​​                                    Why us?

  1. Personalized Service: Our experienced team works closely with you to understand your financial goals.

  2. Flexible Terms: We offer a variety of loan products tailored to fit your unique circumstances.

  3. Fast Processing Times: Within 7-10 days

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 VIDEO REVIEWS

Video reviews from satisfied borrowers which highlight our commitment to transparency and customer satisfaction.

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 APPLICATION

Submit your  Commercial  Mortgage  Application  

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