Interest Rate Watch

Follow the links below for current interest rate info. Note: Loan rates are typically determined by adding a "margin" to an "indexed rate", such as the Prime Rate or SOFR. The "margin" is determined based on a variety of factors, including term of loan, borrower credit score, type of collateral, and various other factors specific to the borrower and collateral.

Prime Rate (Trend chart)

Secured Overnight Financing Rate - SOFR (Trend Chart)

Federal Reserve Selected Interest Rates (Daily) - H.15 (opens new tab) The Daily H.15 report contains the following rates: Federal funds rate; Bank Prime Rate; Treasury Rates.

Federal Reserve Monetary Policy Reports (opens new tab)

Commercial and Agricultural Real Estate Financing

ComAg Financial can help you locate and/or arrange financing for all types of Commercial Real Estate and Agricultural Real Estate throughout California and other U.S. states upon request where not prohibited by state-specific licensing regulations. ComAg Financial works with a network of funding sources to find the type of financing best suited to your particular commercial real estate, agricultural or agribusiness real estate, and your own unique situation.

Note: ComAg Financial ONLY arranges commercial, agricultural, and business purpose loans; ComAg Financial DOES NOT arrange consumer purpose loans or home loans for owner-occupied residential real estate, due to the licensing and underwriting requirements that are unique to making loans for owner-occupied residential property. However, if you need assistance with arrranging financing for the purchase or refinance of owner-occupied residential property, ComAg Financial can introduce you to a reputable California lender or broker who specializes in loans for owner-occupied residential property.

Commercial Real Estate (CRE)Loan Application

To discuss your commercial real estate (CRE) financing requirements and to request a commercial real estate loan application, please call or text: 559-612-6629.

Agricultural Real Estate and Agribusiness Real Estate Loan Application

To discuss your agricultural or agribusiness real estate financing requirements and to request an agricultural real estate or agribusiness real estate loan application, please call or text: 559-612-6629.

About ComAg Financial

ComAg Financial helps farmers, investors, and agricultural and agribusiness companies locate and/or arrange financing for: Commercial Real Estate; Agricultural Real Estate; and Agribusiness Real Estate. ComAg Financial's role in the process of arranging financing varies depending on the specific situation and type of financing needed; Depending on your unique situation, ComAg Financial may act in the capacity of a: correspondent lender; broker; consultant; or referral partner for a third party funding source.

ComAg Financial is owned and operated by James V. Cardoza, who has both hands-on operational and financing experience in a variety of industries. In addition to working as a Vice President and Agribusiness Consultant for a national bank, working with a wide range of agricultural and agribusiness companies throughout multiple U.S. states, James V. Cardoza has worked in operational roles in agriculture, agribusiness processing, manufacturing, and distribution. James Cardoza earned: a BSC in Finance, Magna Cum Laude from Santa Clara University; a Master of Business Administration, With Distinction from the Craig School of Business at California State University - Fresno; and a Juris Doctor from Northwestern California University School of Law. Cardoza also: graduated from the Agricultural Lending Institute; completed the Water 101 Program through the Water Education Foundation; and has completed coursework in both credit and commercial lending through a national bank and through the New York Institute of Finance. Cardoza holds a California Real Estate Broker License (#01375287) and a FAA Part 107 Unmanned Aircraft Systems (UAS)(Drone) Remote Pilot Certificate (#4858869). He was also previously forklift operator certified, with experience handling both tree nuts and aluminum, and has operated box trucks and various farm and manufacturing and distribution equipment. Cardoza grew up working on a dairy and row crop farm (corn, cotton, wheat, alfalfa, oats) in Tulare County, California, and currently resides in Fresno, California.