Serving Stephens County, OK
Commercial Loans in Stephens County, OK
Looking for commercial loans in Stephens County? Commercial real estate financing in Stephens County, OK for multifamily, mixed-use, retail, office, and owner-occupied business properties. CDL Mortgage connects investors and business owners with competitive commercial lending programs.
Serving Duncan, Marlow, Comanche, Velma, Empire City, Central High, Loco, Bray, Countyline and every community in Stephens County.
Why CDL MTG
What Stephens County clients get with CDL MTG.
Personal service, many lenders to compare, and clear answers at every step.
Competitive Rates
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Flexible Terms
Flexible guidelines for self-employed income, rental properties, and less common property types.
Fast & Simple Process
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Local Expertise
We work with Oklahoma escrow, title and appraisal partners every week, so your file moves smoothly.
The Process
What to expect with commercial loans.
A simple four-step process, start to finish.
- Step 01
Talk to a Loan Officer
A quick, no-pressure conversation about your goals, timeline and budget.
- Step 02
Submit Your Documents
A short, secure checklist tailored to your loan — no guesswork, no busywork.
- Step 03
Get Pre-Approved
We shop lenders, review your Loan Estimate line by line, and issue your approval.
- Step 04
Close With Confidence
We keep you, your agent and escrow updated through funding day.
Local Expertise
Stephens County commercial loans, handled by people who know the area.
Stephens County includes 9 incorporated cities: Duncan, Marlow, Comanche and Velma and more.
Rooted in Stephens County
CDL Mortgage Services Inc. helps buyers and homeowners across Stephens County navigate the commercial loans process from first conversation to final signature. We are fully licensed to lend in Oklahoma and support Stephens County borrowers with the same responsive, personal process our home-market clients receive.
One Point of Contact
Every file is handled by a licensed loan officer — not a call center. We shop multiple wholesale lenders on your behalf to find competitive pricing, walk you through your Loan Estimate line by line, and keep you, your agent, and escrow updated at every milestone so there are no surprises at the closing table.
Options for Every Situation
Along with commercial loans, Stephens County clients also come to us for commercial mortgage, commercial real estate loan, mixed-use property loan, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
Get a free Commercial Loans quote in Stephens County, OK
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
How It Works
How commercial mortgage financing works
Commercial lending underwrites the asset and its cash flow first, and the sponsor second. The property must service its own debt with room to spare.
- 01
Underwrite net operating income
Gross income minus operating expenses produces NOI — the number every commercial decision is built on.
- 02
Debt service coverage
Lenders typically require NOI to exceed the annual debt payment by 20–25%.
- 03
Loan-to-value & equity
Commonly 65–75% financing, so plan on 25–35% equity plus closing reserves.
- 04
Sponsor review
Global cash flow, liquidity, net worth and experience with the asset class all factor in.
- 05
Third-party reports
Commercial appraisal, environmental screening and often a property condition report. Budget time and cost for these.
- 06
Terms & amortization
Fixed for 5–10 years, amortized over 20–30, frequently with a balloon at term. We plan the exit up front.
Your Options
Commercial property types and structures
Every asset class prices differently. Here is where we place deals most often.
- Multifamily 5+ units
- The most liquid commercial class with the most competitive pricing.
- Mixed-use
- Retail or office below, residential above — common in downtown corridors.
- Retail & office
- Underwritten heavily on tenant quality and remaining lease term.
- Industrial & warehouse
- Strong demand fundamentals and generally favorable underwriting.
- Owner-occupied / SBA-style
- Higher leverage when your own business occupies the space.
- Bridge & value-add
- Short-term financing to stabilize an asset before permanent debt.
Honest Advice
What makes a commercial deal fundable
Commercial approvals hinge on a handful of numbers. Knowing them before you write an offer saves months.
Ideal for you
A great fit if you have…
Documented rent roll
Clean leases, verified rents and a real expense history make underwriting straightforward.
Liquid sponsor
Post-closing liquidity is often the deciding factor on borderline deals.
Relevant experience
Track record in the same asset class improves both approval odds and leverage.
Another program may win
Consider alternatives if you have…
Thin coverage
If DSCR lands near 1.15, expect lower leverage or a decline. We test this before you spend money.
Vacancy & rollover
Multiple leases expiring at once is a real risk factor lenders price for.
Balloon risk
A five-year balloon requires a refinance or sale plan on day one, not in year four.
Service Area
Our Stephens County service area.
Serving Duncan, Marlow, Comanche, Velma, Empire City, Central High, Loco, Bray, Countyline, and every community across Stephens County, Oklahoma.
Licensed and accountable.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
Google Reviews
Reviews From Our Borrowers
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Eli Shannon was truly on top of everything! He’s knowledgeable, and as a mortgage broker, he guided me through securing a loan seamlessly. He helped me through the entire process efficiently and got things done right on time 👍
About Us
Who is CDL Mortgage?
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Stephens County borrowers.
Full-Service Mortgage Company
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Headquartered in Rocklin, CA
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Real Loan Officers, Not Call Centers
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
NMLS #132263 · Equal Housing Lender
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
Common Commercial Loans Questions
What property types qualify for commercial loans?
Multifamily (5+ units), mixed-use, retail, office, industrial, self-storage, and owner-occupied business properties. We’ll match your property type with the right lender program.
What down payment do commercial loans require?
Typically 20-30% down depending on property type, cash flow, and borrower strength. Owner-occupied commercial properties may qualify for lower down payments through SBA-adjacent programs.
How are commercial loans qualified?
Primarily on the property’s net operating income and debt service coverage, plus borrower credit and experience. Full personal income documentation is often not the deciding factor.
What terms are available on commercial mortgages?
Common structures include 5-, 7-, and 10-year fixed periods with 25-30 year amortization, plus bridge and interest-only options for value-add projects.