AMC Realty

If you own an apartment building, this one's for you.

Between 2019 and 2021, interest rates were at historic lows. A huge number of multifamily loans were made during that window - many with 5-year terms.

That means a wave of those loans are reaching their maturity dates now, through 2026 and beyond. This is sometimes called the "maturity wall."

Here's why it matters: rates today are higher than they were back then. Owners refinancing these loans may see higher payments - which means it's important to plan ahead, understand your numbers, and explore all your options.

If your loan was originated in that window, now is a great time to start preparing.

Want a free, no-pressure look at your refinance timeline? Send us a message - we're here to help.

Ever heard the term "rate lock" and wondered what it means?

A rate lock is an agreement with your lender that "locks in" your interest rate for a set period of time - often 30, 60, or 90 days - while your loan moves through underwriting and closing.

Why does this matter? Interest rates can move daily. A rate lock protects you from rate increases while your deal is being finalized. (Though depending on the type of lock, it can also
mean you don't benefit if rates drop.)

Timing your rate lock is one of the small details that can make a real difference in your loan's overall cost.

Have questions about rate locks or timing your refinance? Send us a message - we're happy to explain how it works for your situation.

One of the most common questions we get: "How long does refinancing actually take"

For most commercial properties, a refinance can take anywhere from 30 to 90 days, depending on the lender, the property, and how prepared you are.

Here's a rough breakdown:
• Gathering documents and financials: 1-2 weeks
• Lender review and property appraisal: 2-4 weeks
• Underwriting and approval: 2-4 weeks
• Closing and funding: 1-2 weeks

The biggest time-saver? Having your financials organized and ready before you start.

Want help understanding what a realistic timeline looks like for your property? Send us a message - we can map it out together.