Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Routing Number: 261071438
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Georgia’s Own is an approved Small Business Administration (SBA) lender and is dedicated to helping small businesses grow. As an SBA lender, we can help you navigate the SBA borrowing process and determine what makes the most sense for your business.
The SBA 7(a) program allows borrowers to obtain long-term operating capital at a reasonable cost.
The SBA 504 Loan program provides the benefits of a long-term fixed rate and only 10% down. This is advantageous for a small business who is acquiring or constructing owner-occupied real estate.
The 504 program is available to finance land, building, and equipment for businesses occupying the property. The typical 504 loan structure works where a credit union funds 50% of a project in a first mortgage position, SBA funds 40% in a low, 20-year, fixed-rate second mortgage, and the business puts down 10% (a higher down payment is required for businesses in existence for less than two years or limited-use facilities).
To inquire about a commercial mortgage, please give a Commercial Expert a call at 800.533.2062, ext. 3844, fill out this form, or visit any of our branch locations.
Ask an Expert
• Commercial Mortgages
• Commercial Vehicle Loans
• Commercial Lines of Credit
• Commercial Term Loans
• Business Checking
• Business Savings/Money Markets/CDs
• Treasury Management Solutions
• Business Banking – Watch this short video
*Business products and services are subject to approval. Restrictions apply.
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
5/5 ARM
30-Year Fixed
15-Year Fixed