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Program 05

CRE Bridge in Wichita Falls

Wichita Falls commercial bridge loans for time-sensitive deals.

Access equity or finance a project before permanent financing. Bridge loans run up to $10M and 75% LTV, interest-only, on terms of 24 to 36 months across property types. Commercial demand here follows institutional employers: an Air Force training base, a university and the regional hospital. Business-purpose only, subject to underwriting.

CRE Bridge in Wichita Falls, 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 Wichita Falls, answered.

What kinds of commercial property transact around Wichita Falls?
Property tied to the area's institutional employers and a small manufacturing base. Sheppard Air Force Base counts 5,136 direct employees and an average daily student load of 3,883, which supports service retail and lodging. The state's business-recruitment site describes aerospace and aviation supply chain, business support services and manufacturing as the regional clusters, which gives small industrial a tenant base. The regional hospital, United Regional Health Care System, and Midwestern State University are the other large institutional names. We have no verified vacancy or cap-rate series for this metro, so we do not quote one; your broker's comps and the appraisal set those.

Sources: comptroller.texas.gov, businessintexas.com

Why would a Wichita Falls owner use a bridge instead of a bank?
Usually timing or a property that is not yet stabilized. A small market produces few comparable sales, and Texas does not record sale prices on deeds, so an asset that needs repositioning is hard for a conventional lender to value quickly. A bridge lets you buy, reposition or buy out a partner first, then refinance. When the asset is stabilized we can place long-term debt through our CRE permanent program, so the exit is planned from the start. Terms, leverage and pricing are set in underwriting.

Sources: ntpts.com

Is new multifamily supply a lease-up risk in Wichita Falls?
Not on the permit numbers. The Census counted 8 units in one building of five or more units permitted in the metro in 2025, and 8 units in 2024, out of 160 and 239 total units. Renters are 43.5% of city households and 35.8% of the metro's. That means a multifamily or small-building acquisition here is not competing with a wave of new apartments. It also sits in a metro where population is flat, so do not underwrite rent growth beyond the leases you can sign. Rents rose about 8% in the year to September 2026.

Sources: www2.census.gov

How steady is the local economy behind a commercial hold?
Low unemployment, shrinking payrolls, a flat population. Unemployment was 4.1% in August 2026, under the Texas rate of 4.4%, while nonfarm employment was 58,600, down 1.4% from 59,434 a year earlier. The Comptroller puts Sheppard's contribution at $2.84 billion of output and 13,024 total jobs. Midwestern State University joined the Texas Tech University System on September 1, 2021. We could not verify current enrollment or the hospital's headcount, so we do not quote them. Underwrite the tenant in front of you, not regional growth.

Sources: kcbd.com

What weather and insurance risks apply to a Wichita Falls commercial asset?
Hail, wind and tornado. The three counties are far inland, outside the Texas Windstorm Insurance Association's coastal territory, so standard-market wind and hail coverage applies. Hail has been the top Texas homeowners loss peril in every year from 2016 to 2025 except 2021, and a tornado crossed the southern and eastern parts of Wichita Falls on April 10, 1979. We could not find commercial premium data or a flood-zone share for the metro, so price coverage on the specific building before you size the loan.

Sources: weather.gov

More CRE Bridge questions, answered on the program page

Resources

Guides for CRE Bridge

Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
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Bridge · 4 min read
What Is a Bridge Loan in Real Estate?
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Getting Funded · 4 min read
LTV vs LTC: What's the Difference?
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Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
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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 2026-10-16.

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