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.
I had a really good experience with Valko Financial Santiago and his team during my mortgage process. They were super helpful from start to finish, always quick to respond and happy to explain things in a simple way so I actually understood what was going on. It made a process that can be pretty stressful feel a lot easier. What I liked most was how supportive and patient they were. No pressure, just solid advice and guidance the whole way through. Overall, I’m really happy I worked with them and would definitely recommend them if you’re looking for help with a mortgage.
Read more
German Martinez
4 days ago
I recently used Valko Financial's services to renew my mortgage. I had an extremely positive experience overall. I was able to obtain a much better rate than the one offered by my current lender. The representatives I worked with were very thorough and answered all of my questions throughout this process. I consistently felt that they had my best interest at heart. I highly recommend their services!
Read more
Stefana Karadjamirli
14 days ago
Our mortgage term was expiring and our current lender was increasing our current rate. We contacted Tracy once again to help us get the best rate/lender. We were provided with improved interest rates and our current lender was not willing to match even if it meant losing our business!! Tracy's team was willing to answer our questions and clarify details about our new offering even later in the night. This service was greatly appreciated and showed we were a valuable return client.
Read more
Randy Bordon
8 years 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.