🏢 Office Space Shifts: What Mortgage Borrowers Need to Know 💸

💼 Why Law & Finance Workers Are Changing Mortgage Lending 🏠

May 13, 2025•2 min read

💼 Why Law & Finance Workers Are Changing Mortgage Lending 🏠

🏢 Office Space Shifts: What Mortgage Borrowers Need to Know 💸

💼 How Law Firms & Financial Professionals Are Reshaping Mortgage Demand

The shift in office demand isn’t just a real estate story—it’s also a mortgage story. As law firms, CPAs, and financial advisors reassess their space needs, they’re also reevaluating their financing.

🏛️ Here’s What’s Happening:
Many of these professionals are turning to owner-occupied commercial loans or hybrid work-from-home financing models. If you’re a borrower—or broker—understanding this shift can help you structure smarter deals.

🔑 Key Mortgage Trends We’re Seeing:

1. SBA 504 and 7(a) Loans on the Rise

Law firms and advisory firms are increasingly buying their buildings. With low down payments and long-term fixed rates, SBA options make more sense than leasing.

2. Self-Employed Borrowers Need Creative Options

Many of these professionals are K-1 earners or pay themselves via distributions. We’ve helped lawyers, doctors, and CPAs qualify using bank statement loans or P&L-only underwriting.

3. Home Office = Mortgage Strategy

For remote professionals, home office deductions, bonus space financing, or even cash-out refinances to fund workspace upgrades are common plays in today’s market.

4. Commercial Bridge Loans for Quick Moves

Looking to snatch up a boutique office before rates shift again? A commercial bridge loan lets professionals move fast and refi later.

🧩 Tailored for These Audiences:

Doctors & Dentists: Own your clinic with no PMI or high DTI flexibility.
Real Estate Investors: Buy small offices for passive income—use DSCR loans!
Self-Employed & Gig Workers: Qualify without traditional W-2s—let’s show you how.
Homebuyers: Remote professionals should structure mortgages with workspace in mind.
Disaster-Affected: Rebuild smarter, possibly with work-from-home upgrades in mind.
Realtors & Builders: Educate your clients about commercial mortgage options and co-market deals with us.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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