Commercial and Ag Real Estate Purchase and Refinance


When making the decision to acquire or refinance real property, having a local, independent community banker as a partner just makes sense. Because we make all our decisions locally, we can structure a financing solution that works for you when you need it. We take the time to understand what you are trying to accomplish and craft a solution that fits your needs.

Our Process

Our process is simple. We strive to provide qualified applicants with a written Expression of Interest1 within 3 business days of receipt of all requested underwriting information. We can agree to modify terms and conditions later; however, you’ll have the information you need to make the right decision!

Loan Program and Product Details

We offer term commercial real estate loans. Terms typically range from 5-10 years but may be longer in certain situations. Contact one of our Commercial Lenders below for more information.


Larry Spencer

Wholesale Banking Manager

Marissa Guerra

Portfolio Manager

Eligible property types include but are not limited to:

  • Owner Occupied and Non Owner Occupied Properties
  • Multi-Family Properties
  • Office Properties
  • Warehouse/Industrial Properties
  • Ag Real Estate

For more information visit our conveniently located office or call us at 530-879-5900, M-TH 8am to 5pm PST, FRI 8am to 6pm PST. 

Mail Loan Payments to:

Northern California National Bank
Note Department
1717 Mangrove Avenue, Suite 100
Chico, CA 95926

Payments received before 5pm Monday through Friday are credited on the date received.  Automatic payments are processed on the loan due date or prior business day if on a weekend of holiday.

To request a demand for payoff, call us at 530-879-5900 during regular business hours, M-F 8am to 5pm PST.

Northern California National Bank Member FDIC. Equal Housing Lender.

1. Expression of Interest is not a commitment to lend but rather a proposed transaction summary outlining terms and conditions under which a commitment may be issued upon receipt of all required information.

Coming Soon: New & Improved Online Banking!
We are excited to announce we are upgrading our Online Banking service for both consumer and business customers. During the upgrade online banking will be down beginning 2pm on Monday 10/23 until 8am Wednesday 10/25. Our new Online Banking system (OLB) will help us continue to provide the service you have come to expect with an updated, user friendly look and feel. Please click here to read the details of the important information you need to know before the conversion.