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Create a custom workspace, purchase property, or refinance for a better rate.

Key Features

Quick Decisions

Local Processing

  • Competitive rates to build, buy, or refinance commercial properties*
  • Available for amounts of $25,000 and up
  • Provides a one-time lump sum for real estate purchases
  • For real estate construction, funds are disbursed throughout construction schedule
  • Fully amortizing and balloon payment options available
  • Maximum of 75% loan to value, including fees financed
  • 1st and 2nd mortgages available on owner occupied real estate up to maximum loan to value
  • Secured by the owner-occupied real estate you're financing
  • Repayment terms customized to work for your business
  • Lending professionals with working knowledge of the Southern Arizona real estate market
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

*Property insurance, flood hazard insurance, appraisal and/or other conditions may be required. Additional fees and closing costs may apply. Other restrictions may apply.

  • Business established 2 or more years
  • Copy of Purchase contract required (if purchase)
  • Copy of most recent tax assessment on property
  • Outside appraisal of property value may be required
  • Requested amounts over $100,000 generally require financial documentation, including the past 2 most recent years business and personal tax returns**
  • All owners with at least 20% ownership required to guarantee, with a minimum of 80% ownership

**May also be required for certain requests less than $100,000.