Commercial Real Estate Loans in Florida

Owner-occupied and investor CRE financing across property types.

Witte Mortgage arranges commercial real estate financing for Florida investors, owner-occupants, and developers — from single-tenant retail to mixed-use projects and medical office buildings.

We shop bank, credit union, agency, CMBS, life company, bridge, and private-lender programs to find the right blend of leverage, rate, term, and prepay flexibility for your CRE deal.

Every commercial file is packaged around your rent roll, pro forma, and business plan — not a generic template.

Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.

Serving all of Florida Licensed NMLS #627790 Mon–Sat, 8am–5pm EST (727) 336-0680

Highlights

Owner-occupied CRE

Buy or refinance the building your business operates in with SBA or conventional.

Investor CRE

Retail, office, medical, mixed-use, and net-lease financing.

Long-term fixed rates

5, 7, 10, and 15-year fixed options with amortizations up to 30 years.

Apply Now

Download the Commercial Loan Application

Download the application, complete and sign it, then email the finished PDF back to Peter Witte to get your file underway.

1. Download
Save the fillable PDF application to your device.
2. Complete
Fill it out and sign — include any requested supporting documents.
3. Email it back
Send the completed application to pwitte@360us.org.

Apply Now — Download Application Email completed application

Email your completed application to pwitte@360us.org. Do not send Social Security numbers or bank credentials over unsecured email — Peter will provide a secure upload link if needed.

How it works

Our four-step process

A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.

1. Free discovery call

Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.

2. Program shopping

We compare programs across our lender and carrier network to identify the best fit for your scenario.

3. Application & underwriting

Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.

4. Close & follow-through

We coordinate closing, then stay available for future refinances, renewals, and referrals.

Why Florida clients choose Witte Mortgage

Independent Florida broker

Not tied to one bank or carrier — we shop the market so your interests come first.

Direct access to Peter

You work with a licensed professional (NMLS #627790), not a call center rep.

Statewide Florida coverage

Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.

Transparent, honest quotes

Clear breakdowns of rate, fees, and total cost — no bait-and-switch.

Fast, responsive service

Same-day replies during business hours and evening/weekend flexibility.

Long-term relationship

Most of our business comes from repeat clients and referrals — we play the long game.

FAQs

Frequently asked questions

How much down for a Florida CRE loan?+

Typically 20–30% for bank loans; as little as 10% for SBA 504 owner-occupied.

How long does CRE take to close?+

45–75 days for bank and agency; 2–4 weeks for bridge deals with a clean file.

Commercial Lending

Related commercial lending programs

Explore other programs in this category — many clients combine or compare options before deciding.

Commercial Real Estate Loans available across Florida

Peter serves clients statewide. Click any market to start a conversation about your goals.

Schedule a consultation

Ready to talk about commercial lending?

Pick a time that works for you. Peter will reach out to discuss your situation and next steps.

Back to Commercial Lending