A refinance home loan always lowers down the interest rate from the interest rate prevailing.

The variable rate is constantly changing and growing monthly interest payments and expenses of the borrower as well.

If you have a variable rate mortgage, because this is what you may be eligible for when you bought your home, you can look into refinancing to see if you can be approved for a fixed rate loan now.
Construction loans are used to help people develop their building or group homes that could serve to be a source of income for the population.
The best thing to do is to refinance commercial property or get a commercial loan review and restructure your loan before the pending storm.
However, do not be afraid to ask your provider to put everything on the table.