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.
Tahmina
4 days ago
A heartfelt thank you to Tracy Valko & the Valko Financial Team There are seasons when life shifts beneath you — and in one of those seasons, Tracy and her team became steady ground. From the first conversation, they saw me as a whole person, not just a file. Their wisdom, professionalism, and calm communication carried us through every challenge with clarity and care. Tracy’s expert guidance, paired with her incredible referral network, made selling our home — with renovations, staging, packing, and moving — an experience filled with trust and ease. Every person she connected us with was both professional and deeply kind. What could have been overwhelming became organized, supported, and even beautiful. I’m endlessly grateful for how they lightened the load and helped turn a life-changing transition into something I could move through with peace after an incredibly difficult year. I would work with Tracy, her team, and her referral network again in a heartbeat — not just for their expertise, but for the heart they bring to everything they do.
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Maddi Kolberg
4 days ago
We had an excellent experience working with Tracy Valkos team, specifically Cindy, for our first mortgage! Their team was incredibly knowledgeable and patient, taking the time to answer every single question we had along the way. As first-time buyers, we really appreciated their expertise and guidance through the entire process — it made everything feel smooth and stress-free. We’ll absolutely reach out to them again in the future and highly recommend this team to anyone looking mortgage assistance.
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Delaney Kasfah
5 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.