Commercial
SBA 504 in Ponte Vedra Beach, FL
Custom Mortgage arranges SBA 504 financing in Ponte Vedra Beach, FL and across St. Johns County. St. Johns County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in St. Johns County at $489,200, $343,550 below that one-unit limit.
Median household income there is $109,839 and 82% of homes are owner-occupied (Census ACS 2024).
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
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
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).
St. Johns County at a glance
- 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
- $489,200
- Source: Census ACS 5-year, 2024
- Median household income
- $109,839
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 82%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.5
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: ST. JOHNS
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 Ponte Vedra Beach, FL
Premium mortgage lending services in Ponte Vedra Beach, FL. We specialize in jumbo loans, conventional financing, and custom programs for high-net-worth borrowers.Custom Mortgage & Real Estate specializes in providing high-fidelity SBA 504 solutions tailored to the unique economic landscape of Ponte Vedra Beach and the surrounding St. Johns County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entirePonte Vedra Beach metropolitan area.
Service Areas & Neighborhoods
Our Ponte Vedra Beach Presence
Local Knowledge. Global Rates.
200 S Biscayne Blvd
Miami, FL 33131
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 Ponte Vedra Beach
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). SBA 504 rates in Ponte Vedra Beach vary by loan amount, LTV, and credit profile. CMRE offers fast pre-approval once your application is complete.
Timelines depend on the program, appraisal, and title; ask CMRE for a realistic estimate for your file. CMRE offers fast pre-approval once your application is complete.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Ponte Vedra Beach and throughout St. Johns County. Loan amounts and terms vary by property and lender.
Yes. CMRE arranges SBA 7(a), 504, and Express financing for St. Johns County business owners purchasing or refinancing commercial real estate.
See all SBA 504 questions and program details
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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."
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."
