Commercial
SBA 504 in Orlando, FL
With 319,758 residents, Orlando, FL is a mid-sized city in Orange County, and Custom Mortgage arranges SBA 504 loans there, including Downtown and Winter Park. Orlando's median home value of $394,100 tracks the Orange County median of $390,100 closely (Census ACS 2020-2024 5-year). Orange County's 2026 conforming limit, $832,750, is 2.1 times that median, so loan size seldom binds.
The Orlando median household income, $72,336, is 9% under the county's. Renters are the majority: just 40% of occupied homes are owner-occupied (57% countywide). The stock is relatively new: half the homes date from 1992 or later. For the renter majority, the benchmark is a median gross rent of $1,747 a month.
SBA 504 Highlights
- Long-term, fixed-rate financing protects against fluctuating interest rates.
- Lower down payment requirements compared to conventional commercial loans.
- Financing available for major fixed assets, including land, buildings, and equipment.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Orange County
$2,320/mo
Based on $428,044 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Orange County
$2,996/mo
Based on $428,044 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Orange County at a glance
- Orlando median home value
- $394,100
- Source: Census ACS 5-year, Orlando city, Florida, 2020-2024
- Orlando median household income
- $72,336
- Source: Census ACS 5-year, Orlando city, Florida, 2020-2024
- Orlando owner-occupied homes
- 40%
- Source: Census ACS 5-year, Orlando city, Florida, 2020-2024
- Orlando median year built
- 1992
- Source: Census ACS 5-year, Orlando city, Florida, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $390,100
- Source: Census ACS 5-year, 2024
- Median household income
- $79,719
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 57%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.9
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: Orange County
Source: Redfin · 2026-01-31Median Sale Price
$428,044
Median List Price
$444,500
Price / Sq Ft
$238.53
Days on Market
65
Active Listings
5,035
Homes Sold
967
Sale-to-List Ratio
97.0%
2026 Conforming Loan Limits: ORANGE
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
SBA 504 in Orlando, FL
Helping Orlando families finance their dream homes. Low down payment options and competitive rates.Custom Mortgage & Real Estate specializes in providing high-fidelity SBA 504 solutions tailored to the unique economic landscape of Orlando and the surrounding Orange County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireOrlando metropolitan area.
Luxury market lead; our Super Jumbo programs offer industry-low rates for OC estates.
Service Areas & Neighborhoods
Our Orlando Presence
Local Knowledge. Global Rates.
20 N Orange Ave
Orlando, FL 32801
Direct Line
877-976-5669Application 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
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About SBA 504 in Orlando
Yes, by $438,650: $394,100 median versus a $832,750 one-unit limit.
5.4 times the $72,336 median household income, steeper than the county's 4.9. Debt-to-income limits usually set the loan size.
See all SBA 504 questions and program details
SBA 504 by Location
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
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."
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