Commercial Real Estate Refinance in Phoenix AZLower Your Payment or Pull Cash Out in Phoenix
If you own commercial or investment property in Phoenix, refinancing at the right time can free up cash, lower your payment, or replace a loan that's coming due. I'll help you figure out whether a refinance makes sense for your building and your goals, then shop your deal across lenders to find the best structure. Maybe you're facing a balloon payment, want to pull equity out for your next acquisition, or you're finally ready to move off a short-term or construction loan into stable long-term financing. Whatever the reason, I'll run the numbers honestly and handle the process so you can keep running your business and your portfolio.
- 10+ Years Experience
- 1000+ Families Helped
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
- License NMLS# 1455718
When You Need Commercial Real Estate Refinance
A commercial refinance makes sense in a lot of situations. You may have a balloon payment or maturing loan coming due and need permanent financing before the deadline. You might want to lower your interest rate or monthly payment on a Phoenix office, retail, industrial, or multifamily property. Cash-out refinancing is popular when investors have built equity and want capital to buy their next deal, fund renovations, or reposition an asset. It's also the natural next step after a construction or bridge loan, converting short-term financing into a long-term, stabilized loan. Owner-users refinance to free up working capital or consolidate debt. If your property has appreciated, your tenants are stronger, or your original loan terms no longer fit, a refinance across Phoenix, Scottsdale, Mesa, Tempe, or Chandler could put you in a much better position.
Our Commercial Real Estate Refinance Process
We start with a quick call or text about your property, your current loan, and what you're trying to accomplish, whether that's lower payments, cash out, or beating a maturity date. I'll review the property, your rent roll or financials, and your equity position, then tell you what's realistic. From there I shop lenders and bring you a quote or term sheet showing the rate, terms, loan-to-value, and any cash-out proceeds clearly laid out. Once you choose a path, my team manages the appraisal, title, and documentation so it's not on your plate. I set expectations on timeline up front, commercial refinances take longer than a home loan, and I keep you posted at every stage. If you're up against a balloon deadline, I'll prioritize the timeline and stay ahead of it so you close with room to spare.
Commercial Real Estate Refinance Cost in Phoenix
What drives your refinance terms comes down to the property type, its performance, your loan-to-value, and your experience as an owner. Lenders look closely at the building's income, occupancy, tenant strength, and your overall financial picture, along with your plans for the asset going forward. Cash-out refinances and lower-occupancy properties typically carry different terms than a straightforward rate-and-term refinance on a stabilized building. I'll always give you a written breakdown of the rate, points, closing costs, and any prepayment considerations before you move forward, so you know your true cost and can compare it against staying put. I shop multiple lenders and capital sources to find the most competitive structure for your situation. No hidden fees and no surprises, just a clear picture of whether refinancing actually improves your position.
Why Choose Us
I've helped investors and business owners across Phoenix, Scottsdale, Mesa, Tempe, and Chandler refinance commercial and investment properties for more than ten years. Commercial refinances reward a broker with real lender relationships, and I shop dozens of banks, credit unions, and private capital sources to get you competitive terms and the right structure. I understand the Valley's commercial submarkets and what local lenders want to see, which helps your deal move faster and close cleaner. Same-day response on every call and text, so you're never left waiting on a balloon deadline. With 50-plus five-star reviews from Phoenix investors and owners, you're working with someone who's done this many times and will tell you straight whether a refinance is worth it.
Mark Fazio made getting a hard money loan for my investment property in Phoenix incredibly easy. He explained all of my options, kept me updated throughout the process, and got us to the closing table quickly. I highly recommend Mark and his team to any real estate investor looking for financing.
Mark was fantastic to work with throughout our home purchase in Oklahoma. He was responsive, knowledgeable, and helped us overcome every obstacle that came up during the process. He made everything smooth from start to finish, and we truly appreciated his communication and professionalism. Highly recommend.
Mark was recommended by my Mortgage Broker in California and he was great. Made the whole process easy. Glad he was recommended to me.
Ready to Get Started?
Facing a balloon payment or want to pull equity out of your Phoenix property? Let's see what a refinance can do for you. Call or text Mark at (480) 690-9790 today.
Reviewed by
Mark Fazio, Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.