ARC PROGRAM
Long-Term Fixed-Rate Financing
for Commercial Real Estate
When you’re investing in commercial real estate, certainty matters. The ARC Program from First Fed offers long-term fixed-rate financing designed to help business owners and real estate investors secure predictable payments and reduce exposure to future rate increases.
With fixed interest rates available for terms up to 15 years, the ARC Program can provide greater stability than traditional commercial real estate financing while helping you maximize the long-term value of your investment. A forward rate lock option is also available for qualifying property purchases, allowing you to secure your rate before closing.
Is the ARC Program Right for You?
The ARC Program may be a strong fit if you are looking to:
Purchase or refinance commercial real estate
Lock in a fixed rate for up to 15 years
Improve payment predictability and cash flow planning
Reduce risk from changing interest rates
Preserve flexibility for future property sales or acquisitions
Customer Success Story
“First Fed has been a partner that has helped us grow to where we are today. Jennifer Chaussee at First Fed introduced us to the ARC Program as a solution for purchasing a new office building, allowing us to convert our variable loan into a fixed-rate loan.
We’re happy to partner with a local bank that understands our needs and can offer tangible solutions to achieve our goals. We’ve had a great experience with First Fed, both as our bank and as our commercial lender.”
- Rachel Turnbull, President & Founder of Clark Construction
Why choose First Fed for your ARC loan?
Long-Term Rate Stability
Lock in a fixed interest rate for up to 15 years and enjoy predictable monthly payments throughout the fixed-rate term. This can help protect your business or investment property from changing market conditions and interest rate fluctuations.
Greater Flexibility for Future Plans
Unlike many traditional commercial loans, ARC financing offers unique flexibility. If you decide to sell your property, the fixed-rate loan may be assumable by a qualified buyer. In some situations, the financing may also be transferable to another commercial property purchase.
Support for Investment and Owner-Occupied Properties
Whether you’re purchasing, refinancing, or repositioning commercial real estate, our experienced lending team can help determine if the ARC Program is the right fit for your goals.
Local Decisions, Local Expertise
As a Washington-based community bank, we understand the local market and take the time to understand your business. You’ll work directly with experienced commercial lenders who can help you evaluate financing options and structure a solution that aligns with your long-term objectives.
Let’s Talk About Your Financing Goals
Whether you’re acquiring a new property, refinancing an existing loan, or exploring options for long-term rate protection, our commercial lending team is here to help.
Connect with a First Fed commercial relationship manager to learn more about the ARC Program and other commercial real estate financing solutions available for your business.
Ben Buhler
Commercial Market Leader
Whatcom County
Rainier Award Winner
ben.buhler@ourfirstfed.com
360-671-5496
Jennifer Chaussee
Commercial Relationship Manager
Kitsap County
JChaussee@ourfirstfed.com
360-215-8975
Jake Dixon
Government Programs Manager
jake.dixon@ourfirstfed.com
206-718-0254
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