Commercial
SBA Mortgages
Unlock your business potential with CMRE's SBA Mortgages. These government-backed loans offer competitive rates, starting at 8.5%, and flexible terms, making them an ideal solution for small business owners looking to purchase commercial real estate or expand their operations. Benefit from lower down payments and longer repayment periods compared to conventional commercial loans.
Program Benefits
Lower down payments, often as low as 10-25%, preserving your capital.
Competitive interest rates, starting at 8.5%, designed to improve your profitability.
Longer repayment terms, extending up to 25 years, to improve cash flow.
Government-backed guarantee, making these loans less risky for lenders.
Flexible usage: finance commercial real estate purchases, renovations, or expansions.
Access to expert guidance from CMRE's experienced commercial loan specialists.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Industrial Properties
- Mixed-Use Properties
- Warehouses
Program Requirements
Income Documentation
- •Demonstrated ability to repay the loan through consistent business revenue.
- •Comprehensive business plan demonstrating profitability and growth potential.
- •Detailed financial projections showing future income and expenses.
Asset Verification
- •Sufficient assets to cover the down payment and closing costs.
- •Clear documentation of all business assets, including equipment, inventory, and accounts receivable.
- •Personal and business financial statements for review.
Insurance & Title
- •Adequate property insurance to protect the commercial property.
- •General liability insurance to cover potential business liabilities.
- •Business interruption insurance to mitigate income loss due to unforeseen circumstances.
Property Requirements
- •Minimum FICO score of 640 or higher.
- •Strong credit history with no major delinquencies or bankruptcies.
- •Demonstrated responsible financial management both personally and professionally.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The maximum loan amount varies depending on the specific SBA program. However, it can be up to $5 million for certain real estate acquisitions.
You can finance a wide range of commercial properties, including office buildings, retail spaces, industrial properties, warehouses, and mixed-use properties. The property must be primarily used for your business operations.
The approval timeline can vary depending on the lender and the complexity of the loan. However, it typically takes between 60 to 90 days from application to closing.
Fees can include appraisal fees, loan origination fees, legal fees, and closing costs. These fees vary depending on the lender and the size of the loan.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
