Cash-Out Refinance Loans for Commercial & Investment Properties

The programs on this page are intended for loans whose proceeds are used primarily for a business, commercial or investment purpose, such as acquiring property, funding an operating company or improving income-producing real estate. Refinancing a home to pay personal debts, fund household expenses or cover other personal, family or household needs is consumer-purpose credit and is not what these programs are designed for.

Where owner-occupied residential property is offered as collateral, the request is reviewed separately. Financing must have a legitimate, primarily business purpose and remains subject to lender eligibility, state licensing, underwriting and applicable federal and state law. A business-purpose classification does not by itself remove licensing or disclosure requirements, and program availability varies by state and by lender.