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LENDERS
Kyle McGann
Great for high-net worth clientele
Specialty products available
CONTRACTORS
COMMERCIAL LENDERS WE LIKE
COMMERCIAL LENDERS WE LIKE
(recommended by our agents that have used them)
HomeTrust Bank (SBA LOANS), Amy L. Amorose
770-831-2612 aamorose@quantumbank.com
https://htb.com/banker/amy-amorose/
First Citizens Bank, Chris Purvis, VP Business Banker
678-371-7775 chris.purvis@firstcitizens.com
Renasant Bank: Ryan McShane Commercial Relationship Officer, VP
Ryan.McShane@renasant.com Office: 678-584-7448 Mobile: 678-761-4352
GSage Capital, Stephen J. Collins
770-862-2464 scollins@gsagecapital.com
404-939-0373 simmy@simscommercialloan.com
Example services by Simmy: STR (Airbnb), New Construction, Bridge, Flip, Foreign National, SBA, Cash lines of credit, Asset based.
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LAND LENDER INFORMATION
You can find land loans in Georgia through specialized agricultural credit associations, local banks, and credit unions depending on whether you are buying a small residential lot or a large rural acreage.
Down Payments: Traditional land loans typically require higher down payments (often 20% to 50%) compared to standard residential mortgages.
Top Land Lenders in Georgia
AgGeorgia Farm Credit: Provides financing AgGeorgia Farm Credit for farms, timberland, recreational land, and lot loans with terms up to 20 years on land and 80% financing.
AgSouth Farm Credit: Serves numerous counties across Georgia providing rural land, farm, and home loans, as well as construction-to-permanent financing.
BankSouth: Offers BankSouth traditional lot financing for undeveloped land and custom construction loans.
Georgia United Credit Union: Offers Georgia United Credit Union land and lot loans for properties up to 20 acres with credit scores starting around 620.
Delta Community Credit Union: Provides Delta Community Credit Union land lot loans specifically designed to finance raw land or a lot before building a home.
A LOCAL FAVORITE...
United Community Bank (UCB) is an excellent option for land financing in Georgia. Headquartered in Greenville, SC, but with a massive retail and lending footprint across Georgia, they approach land loans primarily through two distinct avenues: Residential Lot Financing and Agricultural/Commercial Real Estate Lending.
Here is how their land loan programs are structured:
Residential Lot & Construction Planning
If you are buying a lot with the intent to build a primary residence, United Community Bank has structured retail mortgage products specifically for this:
High Loan-to-Value (LTV): Their Residential Lot Loans offer up to 90% LTV on eligible properties. This is remarkably high for a land loan, as most traditional lenders require 20% to 50% down.
Flexible Borrowing Limits: They offer lot financing ranging from $10,000 up to $1,000,000 with no prepayment penalties.
Seamless Construction Transition: The primary advantage of using UCB is their ability to seamlessly roll your unpaid lot loan balance directly into a Home Construction Loan or permanent financing when you are ready to build. They offer both construction-only and 12-month fixed-rate construction-to-permanent loan programs
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VENDORS WE LIKE
VENDORS WE LIKE
(recommended by our agents that have used them)
INSPECTIONS:
COMMERCIAL INSPECTIONS & SEWER SCOPES: Conley Home Inspections Rob Conley, owner. 770-289-6650 robdonley@conleyhomeinspections.com
COMMERCIAL INSPECTIONS AND ENVIRONMENTAL REPORTS (PHASE I, II, etc.)
CHAMPIA.com Kevin McCloskey, Director of Agent Relations. 470-359-5058 kmccloskey@champia.com
Jackie Alf , Office Coordinator Office: 470-359-5056 jackie@champia.com https:/www.champia.com
LOGIC ENVIRONMENTAL Chris Fonzi 770.817.0212 chrisfonzi@logicenvironmental.com
INSURANCE:
ALLSTATE Charlie Isbell https://agents.allstate.com/william-house-alpharetta-ga.html
MARKETING:
OUR OWN EMS Marketing Company:
EWISE Marketing, Joanne Sanders, BUSINESS PLANS FOR SBA LOANS Joanne, President
BUSINESS BROKERS (ask about our own agents)
Business Only Sales happen here...
Outside
BIZ BROKER: TRANSWOLRD BUSINESS BROKERS, Pedro Ferreira 404-599-8008 pedrof@tworld.com
Inside (UCP Agents)
BOB GRIFFIN Business Bulldog Brands Bob is an agent with our own VPR UC Premier Properties division: Bob Griffin, ClearSky Equity Advisors (404) 547-9996 bob@businessbulldog.com
JACK HUDSON - All business types jackhudson@me.com 770-713-7151
JAKE BLICKENSTAFF All business types blickenstaffenterprises@gmail.com 404-281-5002
ERICA NGUYEN Specializing in large mixed use retail and restaurant esnbusiness@gmail.com 404-966-2385
DARKA KRSMANOVIC Specializing in churches/non profit, offices, retail darka@darkateam.com 678-687-1460
1031 DEFERRED TAX EXCHANGE QI (Qualified Intermediaries)
1031 QI: 1031 Tax Exchange Qualified Intermediary: Old Republic Janet Schaum , VP and Regional Sales Executive Direct: 813-849-2816 Cell: 412-389-5606 E-mail: JSchaum@OR1031.com
1031 EXCHANGE QUALIFIED QI and CONSULTANT: Executive & Advisor: Nathan Webb American Accommodators Direct: 470.387.1031 Mobile: 805.405.4740 Schedule a call via Calendly
CONSTRUCTION
STEEL BUILDINGS: Sustainable Steel Panel Solutions. Lightweight, sustainable metal buildings, design and installation. Jesus Nazar, Marketing and Sales Director, Roswell GA 770-595-1923 jesus.nazar@northatlantametals.com
TREE SERVICES Thomas Mercer of Restoration Tree Care 404.323.5106 https://restorationtreecare.com/ OFFICE: 470-276-0495
BUSIENSS SERVICES
COMMERCIAL CLEANING SERVICES: C&K Cleaning Services Abednego Dahn, Jr. Account Executive, 229-261-9700 adahn@candkcleaners.com
PROJECT MANAGEMENT: Garrard Development Jay Forman, VP of Business Development 770-547-3081 jayf@garrarddevelopment.com
SURVEYS FOR COMMERCIAL:
Survey Systems Atlanta https://www.surveysystemsatlanta.com/ (404) 301-8493
Need a new vendor: Please suggest one you like.
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