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Program 05

CRE Bridge in Longview

Longview, Texas commercial bridge loans for industrial repositioning.

Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance: loans up to $10M, up to 75% LTV, interest-only, with terms up to 24 to 36 months. Longview, Texas runs on manufacturing and oil-field services, so underwrite the sponsor and the lease, not the sector. Business-purpose only, and every structure is set in underwriting.

CRE Bridge in Longview, TX from USA Mortgage
$10M
max loan
24-36 mo
terms
All types
property
Cash-out
available

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance. We move quickly on commercial deals that banks find too time-sensitive. When the asset is stabilized, we refinance you out of the bridge and into long-term permanent debt, which we also place in house, so you have a clear exit from day one.

Who it's for
Value-add commercial real estate
Repositioning and lease-up
Partner buyouts
Pre-stabilization holds
Typical terms
Loan amountUp to $10M
Max leverageUp to 75% LTV
TermUp to 24 to 36 months
RateFrom 9.00%*
PaymentsInterest-only
StructureBridge or cash-out
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

CRE Bridge in Longview, answered.

What kind of commercial tenant base does Longview have?
Industrial and oil-field weight, with health care and government behind it. BLS employment for the Longview metro in July 2026, seasonally adjusted, was 123.9 thousand in total: trade, transportation and utilities 25.6, education and health 19.0, government 16.3, mining, logging and construction 14.6, and manufacturing 14.6. Manufacturing plus mining, logging and construction is 23.6% of jobs ((14.6 + 14.6) / 123.9, our arithmetic). That points to demand for shop, yard and flex space, though we found no sourced local data on which property types are tight. A bridge gets used when a building needs repositioning before it can carry permanent debt.

Sources: fred.stlouisfed.org

Is the Longview industrial base growing?
No, so underwrite the sponsor and the lease, not the sector's growth. Mining, logging and construction employment fell from 18.4 thousand in July 2019 to 14.6 thousand in July 2026, down 21%, and manufacturing fell from 16.2 to 14.6 thousand, down 10%. Total nonfarm employment was flat, 123.2 thousand in July 2019 and 123.9 thousand in July 2026, because education and health rose from 18.3 to 19.0 thousand. The unemployment rate was 4.7% in July 2026 (not seasonally adjusted), up from 4.5% a year earlier. We do not publish a Longview vacancy, rent or cap-rate figure because we found no sourced one.
What do a Longview repositioning project's permits and fees look like?
Multi-family and other commercial work permits on a valuation schedule, not by the square foot. The city's commercial schedule, which explicitly includes multi-family, starts at a $210 minimum up to $31,000 of value, then $210 for the first $31,000 plus $6.50 per additional thousand from $31,001 to $50,000, and adds plan review at one-third of the building permit fee. We quote only those first brackets, so ask the city for your project's value. Commercial mechanical, electrical, plumbing and gas permits are $105 each, a multi-family Certificate of Occupancy is $105 plus $25 per building unit, and work without a permit pays double the fee, with a $100 minimum.

Sources: longviewtexas.gov

Which county does a Longview commercial property record in?
The county where the parcel sits: Gregg or Harrison. The city of Longview straddles both, and its fee schedule has separate recording lines for each. Both counties' posted schedules charge $25 for the first page of a deed of trust and $4 for each additional page, so a 6-page deed of trust records for $45 ($25 + 5 x $4), an illustration and not a quote. Harrison lists eRecording through CSC, Simplifile, EPN and Indecomm. Foreclosure sales run on the first Tuesday at the courthouse of the parcel's county, so a Harrison-side asset has its remedy in Marshall, not Longview.

Sources: greggcounty.texas.gov, harrisoncountytexas.gov

How are comparable sales found in Texas for a bridge appraisal?
Harder than in a disclosure state, because Texas does not require sale prices to be reported. Prices are not recorded on deeds or retrievable through county clerk searches, and appraisal districts rely on voluntary submissions and MLS data. Off-market and non-MLS commercial comps are therefore harder to source, which puts more weight on the appraisal and on lease documentation. Plan your value support early, and talk to your appraiser about what is available for your property type.

Sources: ntpts.com

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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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