If you are buying undeveloped property you may be eligible for either a purchase property loan or a refinance loan, depending on the contract, the buyers assets and the type of development that is being made on the property. The loans in these cases can be up to 70% of the appraised value, but there are typically no second mortgages allowed on these types of financing options.
It is possible when getting a commercial loan to work either directly with the lender or through a broker or brokerage firm. Many commercial loan applicants will pay additional fees going through a broker that they could have saved by working directly with the lender. Be sure to clearly understand what fees you will be assessed if working through a broker.