$1,350,000 Owner-Occupied Commercial Loan | HVAC Contractor – Mercer County, NJ

When an HVAC contractor in Mercer County was ready to move from a leased facility into their first family-owned building, Cascade Capital Advisors structured a $1.35 million owner-occupied commercial loan, securing 90% financing through the New Jersey EDA Loan Participation Program. The transaction delivered a five-year blended interest rate of 5.65% based on a 25-year amortization, making ownership both achievable and sustainable. Six months after closing, the client explored prepaying $400,000 of the mortgage; instead, Cascade Capital Advisors advised placing those funds into a money market account earning 5.25%, allowing the client to retain liquidity while generating interest that could be applied toward the loan, turning smart financing into long-term financial leverage.