Explore Your Options
Commercial Mortgages
Whether you're purchasing an investment property, expanding a real estate portfolio, or financing a commercial building, our mortgage ambassadors have the expertise and lender access to help you succeed.
Book a ConsultationBuilding Wealth Through Real Estate
Real estate investment is one of the most proven paths to long-term wealth. My Home Benefits connects employees and members with experienced mortgage professionals who specialize in commercial and investment property financing — giving you access to the right lenders, the right rates, and the right guidance to make informed decisions.
Property Types We Finance
Our lender network covers a wide range of commercial and investment property types.
Multi-Unit Residential
Financing for duplexes, triplexes, fourplexes, and apartment buildings with five or more units.
Investment Properties
Mortgages for rental properties, income-generating real estate, and portfolio expansion.
Mixed-Use Buildings
Financing for properties that combine residential and commercial uses — retail below, apartments above.
Commercial Real Estate
Office buildings, retail plazas, industrial properties, and other income-producing commercial assets.
Construction Financing
Draw-down financing for new construction projects, including residential and commercial developments.
Refinancing & Equity Take-Out
Access equity in existing commercial or investment properties to fund renovations or acquisitions.
Commercial vs. Residential Mortgages
Understanding the key differences helps you plan your investment strategy.
| Feature | Residential | Commercial |
|---|---|---|
| Down payment | As low as 5% (insured) | Typically 20–35% |
| Qualification basis | Personal income & credit | Property income (DSCR) + personal |
| Amortization | Up to 30 years | Typically 15–25 years |
| Lender options | Banks, credit unions, monoline lenders | Banks, private lenders, MICs |
| Rate type | Fixed or variable | Fixed, variable, or blended |
How We Help
From first conversation to closing, we guide you through every step.
Initial Consultation
Discuss your investment goals, property type, and financial situation with a My Home Benefits mortgage ambassador.
Financial Review
We review your income, assets, existing portfolio, and the property's income potential to determine financing options.
Lender Matching
We access our network of commercial lenders — banks, credit unions, and private lenders — to find the best fit.
Approval & Closing
We guide you through the approval process, conditions, and closing — coordinating with your lawyer and lender.
What Members Receive
Frequently Asked Questions
Ready to Explore Your Investment Options?
Book a consultation with a My Home Benefits mortgage ambassador and take the first step toward your next investment property.