FINDING THE PERFECT LENDER
Thomas USAF’s Loan Origination Division consists of experienced CPA’s, loan underwriters and analysts that feed direct working relationships to lenders throughout the country. Lenders look to TUSAF to provide a seamless service from origination to closing.
STRUCTURING YOUR LOAN TO SUCCEED
In order to determine viability and present financing options, a thorough analysis of your loan request is performed. For your loan to be well-received in today’s rapidly evolving financial marketplace, we will customize your presentation and loan structure. TUSAF will use it’s unique expertise to present your loan in such a way that it meets the requirements of the lender, USDA and/or SBA.
Sometimes during the loan process, the lender, USDA and SBA loan policies conflict and do not always match up. To stay on track and ensure a solid finish, we continually manage the loan process. We can also meet your financing needs with multiple solutions such as SBA and USDA loan combinations.
MANAGING LENDER AND USDA/SBA
During the course of a normal loan cycle, many needs and issues arise and must be managed effectively. We provide assistance through all stages of the loan process: structuring, pre-application processing, underwriting, loan submission, loan approval, closing and funding of the loan. To ensure your loan is eligible and your loan guarantee is approved, we communicate with our lenders on a daily basis.
STRUCTURING
PRE-APPLICATION PROCESSING
UNDERWRITING
LOAN SUBMISSION
LOAN APPROVAL
CLOSING
COORDINATING YOUR LOAN FROM START-TO-FINISH
If not handled properly, the USDA/SBA loan process can include road blocks and uncertain outcomes, because each program is different and must meet specific requirements. To get consistent results for the borrower, we have transformed a complicated process into a ready source of business financing. Because of our 40 years of experience with SBA and USDA’s government guaranteed loan programs, we are able to get the job done. This is a key to our success and has allowed us to provide extraordinary results for clients. With our lending expertise and USDA B&I and SBA program mastery, we concentrate on USDA B&I, CF, REAP, SBA 7(a) and SBA 504 loans. Over time, we have become the number one source for USDA B&I and CF financing. As a result, we have achieved a reliable track record of reaching success for our clients in a complicated loan product, with a 95% submission to approval ratio.
IN SUMMARY THOMAS USAF CAN PROVIDE
An experienced and knowledgeable team with 40 years in operation
National Footprint
High quality, streamlined service from origination to close
Determination of USDA/SBA eligibility and qualification
USDA/SBA loan structuring that meets all requirements
Construction to Permanent loan solutions with long-term 25 to 30 year amortizations
Highest loan amount for the lowest monthly payment
Highest Loan to Value