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Apartment Loans

Owning an apartment building can be a rewarding investment. When it comes to securing an apartment loan, United Commercial Bank wants to work with you to ensure an efficient and hassle-free process.

Professional Lending Experience

Our knowledgeable and experienced apartment loan professionals are here to assist you throughout the entire underwriting and approval process. Our goal is to make the loan application process move as quickly and easily as possible. Based on your financial situation, we will assist you in selecting the right type of apartment loan program and work with you every step of the way to ensure that you have all the answers to your questions.

Flexible and Personalized Underwriting Process

We believe each borrower is as unique as the property. We review your loan qualification on an individual basis with simplified and flexible underwriting criteria.

Choices of Programs to Meet Your Unique Financial Needs

We understand that every borrower has specific apartment loan requirements. That's why we offer a wide array of loan programs for you to choose from.

Property Types
  • Residential Use Apartments
  • 5 to 65 units
Maximum Loan-to-Value Ratio 75%
Maximum Loan Term 15 years
Amortization Up to 30 years
Programs

1. Adjustable Rate Mortgage (ARM)
    Apartment Loans

  • Choose from 1-Month or 6-Month ARM programs
  • Low initial interest rates
  • Increase affordability by helping you qualify for a larger loan amount
  • Interest rate is adjusted periodically to reflect changing market rates
  • Competitive interest rates with No Points option
  • Amortized for 30 years to reduce the monthly payment

2. Fixed Rate Mortgage Apartment Loans

  • Choose from 10-Year or 15-Year Fixed programs
  • Fixed interest rates and monthly payment
  • Competitive interest rates with No Points option
  • Interest rate is adjustable periodically to reflect changing market rates
  • Amortized for 30 years to reduce the monthly payment

3. Convertible Mortgage Apartment Loans

  • Choose from 3-Year Fixed / 7-Year ARM or 5-Year Fixed /5-Year ARM programs
  • Monthly payment are fixed for a number of years and will then be adjusted regularly over the term of the loan
  • Lower initial interest rates as compared to the fixed rate programs
  • Give you the affordability of an ARM loan and the stability of a fixed rate program