FIGFCU Commercial Real Estate Loans | Office Or Building
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

outside of office building

Commercial Real Estate (CRE) Loans

Stop Leasing, Start Owning

Now’s the perfect time to invest in your own office space—with special limited-time offers to help you save!

  • Loan Origination Fee Credit: Save up to $2,000†
  • Appraisal Fee Promotional Rebate: Get up to $1,700 back††

Stop putting money into your landlord’s pocket. Get the funds you need to buy your office space. You can use your Contract Value as a down payment. Loans available from $50,000 to $5,000,000. Talk to one of our experts, who’ll walk you through all your options and help you become an owner. 

  • Financing available for offices, office condos, retail/retail strip, apartment buildings 5-units+
  • Terms up to 15 years**
  • Amortization up to 30 years
  • Loans from $50,000 to $5,000,000
  • No pre-payment penalties
  • Minimum 20% down payment required
  • Investment property financing available (rates and terms are subject to property type and leases)

Want to learn more about buying vs. leasing? Click here.

Questions? Complete our CRE Inquiry Form. 

CRE Inquiry Form

For current rates and to apply, please contact:

Need help with the down payment? You can borrow up to 110% of your Contract Value as a down payment for your CRE purchase with a Farmers Secured CRE Loan.

Loan details:

  • Farmers Secured Loan interest rates as low as 6.99%*
  • Terms up to 15 years
  • Borrow up to 110% of your Contract Value
  • Direct Deposit of your full Agent Net Check required
  • Applicable fees: 
    • Non-refundable loan application fee: $250  
    • Loan closing fee of 1% of the total loan with a maximum of $2,500  
    • UCC lien is required: $100 UCC fee 

Contact your Business Consultant now for help with a Farmers Secured CRE Loan. 

**Owner Occupied Properties Only and Maximum 65% LTV

*The interest rate shown is FIGFCU’s current interest rate, based on credit worthiness and minimum FICO Score. Other interest rates, fees, costs, and terms may be available and may change at any time, without notice, and are subject to credit approval. In order to qualify for this loan, agent must have their full Agent Net Check Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction for the entirety of the Loan.


This loan is subject to fees, costs, and approval.  The loan is subject to a non-refundable application fee. Approved loans will be charged UCC fees and closing costs. The amount of your closing cost will be dependent upon the amount of your loan. Please contact us to determine how much your particular closing costs will be. As long as the loan is outstanding all folio, commission, bonus, and other payments owed by Farmers Insurance Group of Companies must be remitted through a Credit Union checking account. For individuals who were members before January 1, 2025, please talk to us about possible alternatives to having your entire folio, etc., payments remitted through your Credit Union checking account. Borrower agrees that the application fees must be paid prior to the application being processed. Payment of Loan Application Fees is not a guarantee of credit approval. There are no prepayment fees. 

There is a $500 repricing/loan modification fee for Agency Loans.

†Maximum Loan Origination Fee Credit of $2,000 or 1% of the loan amount, whichever is less. Loan Origination Fee Credit will be applied at closing.

††Maximum credit for the Appraisal Fee Rebate of $1,700. If the appraisal fee is less than $1,700, then the Appraisal Fee Rebate credit is for the actual dollar amount of the appraisal fee. If the appraisal fee is over $1,700, then any amount over and above $1,700 is paid by the Borrower. The Appraisal Fee Rebate will be credited after closing.