Purchase Commercial Property — American First Credit Union is a commercial real estate loan from American First Credit Union. Typical credit limit: $1M to $10M. Loan terms: Lower payments with 10, 14, or 15-year terms and amortizations up to 30 years; 5, 7, and 10-year fixed and adjustable rates; 3 and 5-year interest-only loan option (25 year amortization).