Commercial Mortgage Lending Services

First National Commercial Real Estate Financing

“Commercial Real Estate Financing has been First National’s expertise for over four decades.

First National offers a suite of business loans for virtually every business. As the direct lender, you benefit from our internal underwriting and decision-making. We conduct in-house due diligence and loans are serviced directly by First National. Our comprehensive suite of financial services are designed to meet the unique needs of commercial business financing – from golf courses to hospitals, and more.

Benefits of Working with First National

  • You Partner with a Principal Lender
  • We Have a Direct Lender-Client Relationship
  • The Decisions and Underwriting are Done Internally
  • We Service Our Own Loans


Click here to check out the types of Commercial Loans Programs First National offers.

Commercial Mortgage Lending

First National offers business loans for many types of businesses. For example:


Rely on First National to guide you through the intricacies of business loans and real estate financing, ensuring your financial success at every step of the way. Our suite of services is crafted to align seamlessly with your unique financial requirements.

Explore tailored commercial real estate financing solutions with First National’s specialized commercial mortgage lending services, placing you at the center of the financial landscape. Whether you’re a seasoned entrepreneur or embarking on the initial stages of your business journey, our flexible terms and diverse range of financing options are crafted to accommodate your specific requirements.

Types of Loans Available


In addition to the industries listed above, First National is equipped to cater to a wide range of sectors. Should you require financing for any other industry not mentioned here, do not hesitate to reach out to us. Our team of experts is dedicated to understanding your unique needs and tailoring financial solutions that propel your business forward.

Should you require specialized assistance for any of these industries, feel free to inquire about our custom financing options. At First National, we are committed to supporting businesses across diverse sectors, empowering growth and prosperity.

Why Choose a Principal Lender? 

When it comes to securing a business loan, borrowers are often faced with the choice between working with a principal lender directly or going through a broker. While brokers can offer certain advantages and we value our partnerships with them, there are several compelling reasons to consider approaching a principal lender directly.

Understanding the Role of a Principal Lender

A principal lender is a financial institution or individual that provides the actual funds for a loan. This can include banks, credit unions, online lenders, and private lenders. When you deal with a principal lender, you are working directly with the source of your loan funds.

The Benefits of Working Directly with a Principal Lender

Direct Communication and Control

One of the most significant advantages of dealing directly with a principal lender is the ability to communicate directly with the decision-makers. This direct line of communication can lead to:

Clearer Understanding:  You gain a better understanding of the lender’s requirements, processes, and terms, which can help you make more informed decisions.

Faster Decisions: Without the intermediary step, decisions regarding your loan application can be made more quickly, which is particularly beneficial if you need funds promptly.

Tailored Solutions: Principal lenders can offer more customized solutions that cater specifically to your financial situation and needs.

Potential Cost Savings

When you go directly to a principal lender, you may save on costs associated with using a broker. Brokers often charge fees for their services, which can include an upfront fee or a commission based on the loan amount.

Streamlined Process

Working directly with a principal lender often results in a more streamlined loan application process. This can include:

Simplified Documentation: Direct lenders typically have straightforward documentation requirements, making it easier to understand what is needed.

Consistent Communication: All communication comes from one source, reducing the potential for miscommunication or delays.

Faster Processing: The absence of a middleman can speed up the loan approval and disbursement process, getting you the funds you need more quickly.

Personalized Customer Service

Principal lenders often prioritize building relationships with their clients. This focus on customer service can translate into:

Personal Attention: You receive personalized attention from loan officers who understand your specific needs and financial situation.

Long-term Relationship: Building a relationship with a principal lender can be beneficial for future financial needs, providing a trusted partner for various banking services.

Transparency and Trust

Direct dealings with a principal lender can enhance the transparency of the loan process. This includes:

Clear Terms and Conditions: Principal lenders provide detailed explanations of loan terms, helping you understand all aspects of your loan agreement.

Direct Accountability: With no intermediary, the lender is directly accountable to you, which can lead to a higher level of trust and satisfaction.

While there are numerous advantages to working directly with a principal lender, we also recognize and value the important role that brokers play in the lending process. Brokers can provide access to a wider range of loan products from multiple lenders, which can be useful if you have unique financial needs. Additionally, brokers offer expertise in navigating the loan market and can save time for borrowers who prefer a more hands-off approach.

In summary, choosing between a principal lender and a broker depends on your specific needs and preferences. Working directly with a principal lender offers several clear benefits, including direct communication, potential cost savings, a streamlined process, personalized customer service, and greater transparency. However, our strong partnerships with brokers allow us to extend our reach and provide tailored solutions for a diverse range of borrowers.

Whether you decide to work with a principal lender or through a broker, the most important factor is to ensure that you are comfortable with the terms and conditions of your loan and confident in the service you receive. By considering these advantages and understanding the strengths of both options, you can make a well-informed decision that best suits your financial goals and circumstances.

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