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Morrill & Janes Bank

Real Estate and Real Estate Construction Lending

Morrill & Janes Bank's commercial real estate loans are structured similar to the term loans but are used specifically for the purchase or refinance of owner occupied commercial real estate. We offer a variety of floating and fixed rate alternatives. Amortization periods can be extended up to 20 years with a typical maturity term between 3 to 5 years. Monthly principal and interest payments are matched to the amortization schedule.

Our commercial real estate construction loan provides you with the funding necessary to pay for the construction costs of an expansion and/or renovation. Advances under this facility are made through draw requests for specific completed work on the new expansion or renovation. Construction loans typically have a maturity of one year or less depending upon the time schedule of the construction project. During the construction phase, monthly interest only payments will be required based upon the outstanding principal balance of the loan.