VMD,   Not all of the laws that apply to residential real estate transactions will apply to commercial and non owner occupied loans. You should however, be advised of the origination charges that you will incur with your commercial loan.  I have heard of commercial transaction that where originated by one company only to be referred' to another company who then refers' it to the actual lender who will fund the loan.  All of these persons/companies in the middle want to get paid a fee.  They may all try to put a demand' in escrow to be paid some percentage or flat fee. Watch out for that!   Did you go direct to a local bank?

Truth in lending covers more than loans secured by dwellings. But, keep in mind, the TILA also does not require lenders to disclose individual fees - all fees can be lumped together. The only real requirement is to calculate and show a true APR - which would include all fees. The main thing to do in commercial lending is ask questions of the lender and try to get everything in writing. Then, read your loan docs prior to signing - might even consider having an attorney review them. Your loan docs are your contract and if you have to go to court - the court will always defer to the documents.