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SBA 504 Loans

The Small Business Administration (SBA) 504 loan program was created to help small to mid-sized business owners acquire commercial property without the financial hassles. While this program is less-used and very little understood, in order to qualify, over half (51%) of the property must be occupied by the borrowers within one year of ownership. Another option is forming a holding company from two operating companies. This company can then take the title to the commercial property. To qualify for this program, U.S. citizens or permanent residents must hold a majority of the ownership of the operating companies and the holding company. The 504 Loan does not contain any restrictions or ceilings; however, there are three criteria for eligibility:

The company’s average net income cannot surpass $2.5 million.

The anticipated project size must be greater than the personal, non-retirement, unencumbered liquid assets of the guarantors/principals.

Net worth of the operating companies must be $7.5 million or less.

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FAQ

All the answers to your questions.

  • Why is Re Funding Source so popular?

    As Mortgage Brokers, we have built our reputation on providing our clients with exceptional customer service, reliable information, and seamless transactions. Our focus is always on the needs of our clients, which is why we take the time to understand your unique situation and help you choose the mortgage product that is right for you. 


    We understand that every client's financial situation is different, and that is why we offer a variety of mortgage options to suit your needs.


    At Re Funding Source, we pride ourselves on our professionalism and expertise. Our Mortgage Brokers have years of experience in the industry and stay up-to-date on the latest trends and regulations in the mortgage market. 


    We are committed to providing you with the best possible mortgage solutions and we work tirelessly to ensure that your homebuying or refinancing experience is a success. So why trust anyone else with your mortgage needs? Let our team of Mortgage Brokers at Re Funding Source guide you through the process and help you achieve your homeownership dreams.

  • What types of mortgage products do you offer?

    At Re Funding Source, we offer a wide range of mortgage products to suit your unique needs. 


    Our offerings include fixed-rate mortgages, adjustable-rate mortgages, jumbo loans, FHA loans, VA loans, and more. We work with you to find the product that best fits your financial situation and homeownership goals.

  • What sets Re Funding Source apart from other mortgage brokers?

    At Re Funding Source, we pride ourselves on our personalized approach and attention to detail. We prioritize your time and make sure that every detail is taken care of, so you don't have to worry about any delays during your closing. 


    Our Mortgage Brokers have years of experience in the industry and stay up-to-date on the latest trends and regulations in the mortgage market. We are committed to providing you with the best possible mortgage solutions and we work tirelessly to ensure that your homebuying or refinancing experience is a success.

  • Can I still apply for a mortgage if I have a less-than-perfect credit score?

    Yes! We understand that every client's financial situation is unique.


     We work with clients who have all types of credit scores and financial backgrounds, and we can help you explore all of your mortgage options. 


    Our Mortgage Brokers will work with you to find the best mortgage product that fits your unique needs and financial situation. 


    We believe that homeownership should be accessible to everyone, and we are committed to helping you achieve your homeownership dreams.