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.
Tracy and her team were recommended by our family members and what a great recommendation that was! As a first time home buyer, I was feeling overwhelmed. Tracy made this experience much more approachable - she was ready to listen to any questions we had and had responses/explanations that were thorough and easy to understand as someone who is unfamiliar with this world. Our realtor was also impressed with how quick and easy it was to work with this team. Can't recommend them enough!
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Mara Thorsteinson
5 days ago
Working with Tracy was an outstanding experience from start to finish. She took the time to understand my situation, patiently answered my questions, and was always available whenever I needed guidance or clarification throughout the process. What impressed me most was Tracy's expertise as a mortgage broker. Her deep knowledge of the mortgage market helped me confidently navigate my options and choose the mortgage terms that were best for my situation. She explained everything clearly, offered thoughtful advice, and made what could have been an overwhelming process feel straightforward and manageable. On top of all of that, Tracy has a wonderful disposition – she is a genuinely positive person, who is just a pleasure to deal with. When I found my home, Tracy was excited for me, and her enthusiasm made the experience even more special. I'd also like to recognize her team member, Cindy, who was wonderful. She was friendly, responsive and organized, ensuring the administrative steps proceeded smoothly. I am truly grateful for the support, expertise, and care that Tracy and her team provided. I highly recommend her to anyone looking for a mortgage specialist that combines exceptional knowledge with a genuine commitment to client success. Thank you Tracy!
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Erin M
5 days ago
I had another fantastic experience working with the Tracy Valko mortgage team-this is my third time trusting them with my business! They are incredibly knowledgeable and always answer my questions efficiently. This time, I worked closely with Tonya, who was absolutely amazing. She went above and beyond to ensure a smooth mortgage process. Her professionalism and dedication are unmatched. Highly recommend! - LP
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Aerie P
7 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.