Need to grow your business with capital, inventory, new building

DDA Mortgage • April 4, 2022

Grow with capital, inventory, and what you need.


  • You need money to grow your business. Whether you need inventory, supplies, materials, facilities, equipment, or more resources - there are options available to you.
  • You need a lender that understands how business works. The loan officer should be able to assist in setting up the right loan structure and program to meet your needs.
  • You need a lender that can understand you and your plan for growing the business. We will help guide you through your options and make sure everything is going smoothly on your end so nothing falls through the cracks when it comes time for funding.



We have experience getting small business loans in Largo & Pinellas County.


No matter where you are in the process of opening or expanding a business, we have experienced advisors who can help. We have developed a network of banks and other lenders that offer affordable loans to small businesses. Our lending department staffs experts who will personally help you find the loan type that meets your needs and get it approved quickly. If needed, we can provide free expert advice on preparing your application for approval.


We have a track record of success, having helped thousands of people secure capital from this pool of lenders. Most importantly: our experts will help you get the loan that best fits your need for capital at the most affordable rate possible and with the least amount of hassle. With our involvement in your application, it is much more likely to be approved than if you try to navigate this process alone



Just closed on two commercial loans for 1.3 million and 1.9 million.


If you need to grow your business with capital, inventory, new building, or more then we can help you get the capital you need. We are one of the most experienced SBA lenders in Pinellas County, Tampa, and Florida. We understand how local businesses work. Our staff has a great track record of getting our customers loans.



SBA loans are a popular option because they are backed by federal programs.


SBA loans are small business loans that are backed by federal programs through the Small Business Administration. These government-backed loans can be a popular option for small businesses because they are typically backed by federal programs and offer low-interest rates and longer repayment terms than traditional bank loans. SBA (Small Business Administration) loans are offered by various lenders and the SBA guarantees a certain percentage of your loan when it is approved, which helps significantly reduce your risk as a borrower.



If you need funding or inventory, check out different forms of lending that are suited to your needs and situation.

SBA Standard 7(a) Loan


The 7(a) loan is the most common SBA loan and is the best option when used to purchase commercial real estate. The loan includes financial help for small businesses with special requirements.


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Commercial Bridge Loans


Commercial Bridge Loans allow borrowers interim financing during a non-residential property stabilization, which generally requires improvements of the property condition or rental occupancy rate, until permanent take-out financing is achievable.


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Asset-Based Loans


Asset-based loans provide borrowers an opportunity to leverage the value of the property as well as other hard assets to secure a loan. There are two property types to consider when applying for an asset-based loan, residential and commercial. 

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SBA 504 Loan Programs


The 504 loan is a common SBA loan and is your best option for fixed-rate and long-term financing for fixed assets such as buildings, facilities, and land. 


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Conventional Loan Programs


Conventional commercial loans tend to be the most straight forward type of commercial loan. They are what you would expect-a commercial mortgage backed by commercial property. The lender is typically a bank, credit union, or other type of investment institution.


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Trigger leads bill advances to the House

By Didier Malagies • June 12, 2025
The federal bill that seeks to eliminate abusive trigger leads took a major step forward this week, advancing in the U.S. House of Representatives and reigniting hopes across the mortgage industry that it could soon become law. Yes, that's an important development for the mortgage and consumer protection landscape. The federal bill to eliminate abusive trigger leads recently advanced in the U.S. House of Representatives , which is a significant step toward potentially becoming law. Here’s what this means: 🔍 What Are Trigger Leads? When a consumer applies for a mortgage and a credit inquiry is made, credit bureaus can sell that information to other lenders. These are known as trigger leads . While legal, they often result in a flood of unsolicited calls or offers from competing lenders — many of which may be misleading or aggressive. 🏛️ About the Bill The legislation seeks to ban or strictly limit the use of trigger leads unless the consumer explicitly consents. It aims to: Protect consumers from confusing or predatory offers . Curb misleading solicitations that impersonate the original lender. Improve privacy and control over a borrower’s financial data. 🏠 Industry Reaction The mortgage industry and consumer advocacy groups have largely welcomed the move, arguing that trigger leads: Cause consumer confusion. Undermine trust in legitimate lenders. Lead to identity theft or fraud in some cases. 📅 What’s Next? The bill now moves to the Senate , where it will need to pass before reaching the President’s desk. Industry stakeholders are pushing for bipartisan support, noting the broad agreement on consumer protection. 

What are all the mortgage programs we offer

By Didier Malagies • June 9, 2025
We offer 2nd mortgages on primary, secondary, and investment properties we do purchases or refinances on Conventional, FHA, VA, and Non- Qm mortgages, We do Reverse Mortgages, Construction Permanent loans, FHA203k, and Conventional Renovation loans. Let me know how we can help you or someone you know tune in and learn at https://www.ddamortgage.com/blog Didier Malagies nmls#212566 dda mortgage nmls#324329

How will AI integrate with mortgages

By Didier Malagies • June 5, 2025
✅ What AI Will Do in Mortgages: Speed Up Approvals & Underwriting: AI can instantly verify income, assets, and credit. It reduces manual errors and shortens approval time from days to hours. Enhance Risk Assessment: Lenders use AI to evaluate risk more precisely, especially for non-traditional borrowers (e.g., gig workers, freelancers). Improve Customer Experience: Chatbots and virtual assistants handle common questions 24/7. Personalized loan options and real-time updates via apps or portals. Detect Fraud: AI is excellent at spotting red flags in documentation or transaction patterns. Automate Paperwork: AI can auto-fill forms, read legal documents, and streamline disclosures. ❌ What AI Won’t Do (Yet): Replace Human Loan Officers Entirely: Borrowers still want a human guide for major financial decisions. Emotional support, judgment calls, and trust still require human touch. Understand Complex Situations Fully: Edge cases like self-employed income, family co-borrowers, or mixed credit histories need human interpretation. Replace Regulatory Oversight: Compliance and legal accountability still rely on humans to interpret nuanced and changing rules. 🔮 Looking Ahead: Hybrid mortgage models (AI + human advisors) are becoming the norm. Lenders that use AI wisely will be faster, cheaper, and more customer-friendly. Borrowers may not realize how much AI is helping behind the scenes. 
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