Commercial Mortgage
Commercial financing that works.
Whether you're purchasing an office, expanding your investment portfolio, or developing a new property, the right commercial mortgage isn’t just about funding — it’s about building your future. At Valko Financial, we bring strategic insight, personalized service, and access to top-tier lenders to help you secure financing that aligns with your business goals.
From office buildings and medical clinics to retail plazas, industrial spaces, and multi-residential developments, we offer customized solutions for a wide range of commercial properties and industries. Our experienced brokers handle the paperwork, negotiations, and financial analysis — so you can focus on your next move with confidence.
With Valko Financial, you’ll get clear guidance, expert support, and a tailored strategy from application to funding. Let’s build your business with the right mortgage solution.
What’s the difference between a residential and commercial mortgage?
A residential mortgage is used to finance a home where you or someone else will live, while a commercial mortgage is used to purchase or refinance properties intended for business use—such as office buildings, retail spaces, or rental properties with five or more units.
How much do I need for a down payment on a commercial property?
Most commercial mortgages require a down payment of 20% to 35%, depending on the lender, property type, and your financial profile. Some specialized or private financing options may vary, but a strong down payment is typically essential for approval.
What types of properties can be financed with a commercial mortgage?
We finance a wide range of commercial properties, including:
- Office buildings
- Retail plazas and storefronts
- Industrial or warehouse facilities
- Multi-residential buildings (5+ units)
- Medical, dental, or professional-use buildings
- Mixed-use and development projects
If you’re unsure whether your property qualifies, we’d be happy to help you explore your options.
We just renewed our mortgage with Samantha. She was excellent and made the process very easy. She responded to my questions often within an hour of me emailing and got us a great deal. We felt very taken care of.
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Stacey L
11 days ago
I had the pleasure of using Valko Fianancial for three homes now. I cannot reiterate how smooth and easy the whole process was from start to finish. I worked with Matt S this time around. And he was very calm, easy to chat with and got all the stuff in place making it a super stress free closing. I highly recommend them as they tend to find the best rates at the time of purchase and really talk to you about it. Answer all your questions respectively. 5 ⭐️!
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Natalie Nagy
13 days ago
We absolutely love our new home and we couldn’t have done it without Cindy White! She went over and beyond to make sure we felt comfortable with our purchase. Cindy was transparent and awesome to work with. This is our second time working with Cindy, highly recommended.
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Eston Simon
21 days ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.