Commercial Mortgages — Beginnings Credit Union is a commercial real estate loan from Beginnings Credit Union. Loan terms: Term Options Up to 25 Years; 15-year Fixed Rate (finance up to 80% of purchase price); 20-year Adjustable Rate (finance up to 80% of the purchase price, rates adjust every 5 years); 25-year Adjustable Rate (finance up to 75% of the purchase price, rates adjust every 5 years).