CRE Refinancing Is Surging in 2026 — Are You Positioned to Take Advantage?

Commercial real estate refinancing is hitting new highs as lenders compete aggressively for deals. California property owners with maturing loans should act now to lock in favorable terms.

Commercial real estate refinancing activity is climbing, and lenders are hungry for deals right now. That competition among lenders is great news if you own income-producing property in California — it means more options, better pricing, and more favorable terms than we've seen in a while.

If you have a commercial loan maturing in the next 6 to 18 months — whether it's a multi-family building, a mixed-use property, or a retail or office asset — this is the window to start planning your refinance strategy. Waiting too long could mean rushing into a deal with less negotiating leverage.

Lender competition tends to favor borrowers who come prepared. Having your financials organized, your property performing well, and a clear picture of your goals will put you in the strongest possible position at the negotiating table.

The second half of 2026 is shaping up to be an active period for commercial lending. Investors who move with intention — rather than reaction — will capture the best rates and terms.

Thinking about refinancing a commercial property in California? Let's talk. Our team specializes in connecting property owners with the right lenders to maximize your refinancing outcome.