Tulare County Commercial Loan Rates: What Property Owners Need to Know in 2025

fjromine
Nov 6
2 min read

If you own commercial property in Tulare, Fresno, Visalia, Hanford, or Lemoore, 2025 may be a critical year. Thousands of local owners have commercial loans maturing, and with higher interest rates, many are asking: “What’s next for my property?”

Mortgage Rate Predictions for 2025

Current forecasts show that commercial mortgage rates in California are likely to remain elevated through early 2025, hovering between 6.5% and 8.25% depending on property type and borrower profile. The Federal Reserve’s cautious approach means refinancing will stay challenging—especially for older retail centers, mixed-use properties, and owner-occupied offices.

Why This Matters for Tulare, Fresno, and Kings County Owners

Banks are tightening credit. Appraisals are conservative. Many property owners with balloon payments due are discovering they don’t qualify for traditional refinancing. That’s where Romine Group steps in.

Clever Ways We Help Owners Sell for Top Dollar

At Romine Group Real Estate, we specialize in creative exit strategies for owners with upcoming loan maturities or distressed debt.Here’s how we help:

Targeted Buyer Network: We maintain relationships with local and regional investors ready to purchase income-producing commercial properties in Tulare, Fresno, Kings, and Madera Counties.
Seller Financing Setup: We can help structure owner-carry or partial carryback terms that attract more buyers and improve your sale price.
Value-Add Presentation: Our team highlights tenant potential, zoning opportunities, and redevelopment options to make your property stand out.
Off-Market and Confidential Sales: If you’d prefer not to list publicly, we discreetly connect your property with qualified buyers—no MLS exposure required.

Example: Visalia & Hanford Market Trends

In Visalia, retail strip centers with national tenants are trading near 6.75% cap rates, while industrial and warehouse properties remain strong due to logistics demand along Highway 99.In Hanford and Lemoore, owner-users facing rate resets are looking to sell and lease back, freeing capital while keeping their business in place.

Your Next Step

If your commercial loan is coming due or your lender has reached out about refinancing challenges, don’t wait until the last minute.Romine Group can analyze your situation, estimate your property’s true market value, and show creative ways to sell or restructure before your loan matures.

📞 Call Romine Group at (559) 254-8223🌐 Visit www.rominegroupre.com📍 Serving Tulare County, Fresno County, and Kings County—including Visalia, Fresno, Hanford, and Lemoore.