What are Permanent/Agency Loans
Permanent and agency loans are long-term commercial real estate financing options designed to provide stable, predictable capital for income-producing properties. Once a property is stabilized — such as an office building, apartment complex, or multifamily asset — these loans replace short-term or construction financing with a longer-term mortgage that often features competitive interest rates, extended terms, and flexible structures. Agency loans, in particular, are backed by government-sponsored entities like Fannie Mae and Freddie Mac, offering attractive rates and terms for qualifying multifamily investments. Together, these financing solutions help investors and business owners secure long-term funding that supports cash-flow planning, portfolio growth, and financial stability.
Qualifications:
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Eligible commercial property type (multi-family, office, industrial, etc.)
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Strong borrower credit and financial history
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Stable and verifiable rental income or cash flow
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Property appraisal confirming value
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Compliance with agency guidelines (if applicable)
Won't effect your credit score.