Commercial Loan Direct (CLD) provides apartment loans in Alabama. Current apartment loan rates in Alabama range from 4.93% to 12.95%, depending on the loan program.
For more in-depth multifamily interest rates, please visit our Apartment Loan Rates page.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
We are proud to be serving the state of Alabama. Here are our commercial loan statistics for this state.
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The multifamily financing market in Alabama as of early 2026 is characterized by a stabilizing interest rate environment and a robust push toward affordable and workforce housing. While major metros like Birmingham and Huntsville have faced supply-side pressures from heavy construction in previous years, the financing landscape remains active, particularly for developers utilizing state-backed incentives and federal programs.
Financing for Alabama apartment complexes generally falls into three categories: state-administered programs, federal agency loans, and private capital.
Investors in Alabama are navigating a landscape shaped by specific regional economic shifts:
Note: Developers should be mindful of application cycles; for instance, AHFA's competitive cycles for 2026 funding typically require logs and applications to be submitted early in the first quarter.
Commercial loan direct provides services in the following Alabama cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Alabama economic reports to get a better understanding of your market.
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What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
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