Loans & FinancingCommercial Real Estate

As a regional leader in Commercial Real Estate Financing our goal is always towards building relationships.  First National Bank’s Commercial Real Estate Lenders work to understand your objectives and deliver tailored financing solutions to help you meet them.

Our lenders average over 15 years of experience in the Commercial Real Estate Industry, and over 10 years of experience at First National Bank, we know the market, we understand the business, and we have the track record to prove it.  Our transaction sizes range from $1 million to $50 million.

We are a life-cycle lender.  We can finance land acquisition, development, vertical construction, mini-perm, and can place your loan in the permanent market.  Our lenders have industry experience as brokers, equity partners, builders and permanent market lenders.  This knowledge, industry expertise and client focus derives $600 million in average annual Commercial Real Estate originations.

Loan Products:

  • Construction Financing
    First National Bank provides financing for new construction and rehabilitation projects. Our clients include professional developers of income-producing real estate, such as office, retail, multi-family, industrial, hotel, and senior housing properties.
  • Land Acquisition & Development Financing
    Land Development Loans provide financing for the acquisition of undeveloped land, typically planned for commercial or residential development.
  • Mini-Perm Financing
    Mini-Perm Loans from First National Bank are generally, a two- to five-year, semi-permanent loan that is issued after the construction phase, while a property is achieving stabilization, or short-term acquisition financing during the stabilization phase.
  • Permanent Financing
    Permanent Financing from First National Bank is provided for either investor-owned or owner-occupied properties with loan periods greater than 10 years.

Property Types:

  • Office
  • Retail
  • Multi-family
  • Industrial
  • Senior Housing
  • Hotel
  • Places of Worship
  • Other income producing properties
 

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