Franchise · lender intelligence

How to finance a HomeSmart International

State:

The SBA 7(a) lenders funding the most HomeSmart International deals, ranked from public loan records — typical HomeSmart International loan about $463K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance HomeSmart International

$463K

Typical loan

range $247K–$624K

$515K

Est. purchase price

≈ loan ÷ 90%

$68,837

Cash to close

$51,467 down + fees

$5,994/mo

Typical payment

~9.5% · 10yr

$82,717/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

10 days

Typical time to fund

Lenders competing

more = leverage

4.63%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with HomeSmart International

Ranked by funded HomeSmart International loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.36 loans · $35M · Memphis, TNFull record →
2.3 loans · $1M · Kearney, NEFull record →
3.54 loans · $64M · Los Angeles, CAFull record →

7+ funded HomeSmart International deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

HS Advantage LLC in Tucson, AZ — $1.7M (2024) · City National Bank
Program
Preferred Lenders Program
Rate at approval
6.95% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
29 days
Approved
1/3/2024
First disbursed
2/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
New Business or 2 years or less
Industry
Offices of Real Estate Agents and Brokers
Funded by City National Bank · Lender record →
Your business? Claim this record · Request removal
Optima Realty in Fairfield, CA — $624K (2022) · Exchange Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$468K (75%)
Approval → funding
7 days
Approved
4/28/2022
First disbursed
5/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
198
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by Exchange Bank · Lender record →
Your business? Claim this record · Request removal
SANDOVAL LIFESTYLE LLC in Queen Creek, AZ — $298K (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
3.6% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$223K (75%)
Approval → funding
8 days
Approved
1/26/2022
First disbursed
2/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Oracle 5425 LLC in Tucson, AZ — $463K (2021) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.8% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$417K (90%)
Approval → funding
11 days
Approved
2/18/2021
First disbursed
3/1/2021
Loan status
Paid in full (1/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Oracle 5425 LLC in Tucson, AZ — $247K (2021) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.8% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$222K (90%)
Approval → funding
10 days
Approved
2/18/2021
First disbursed
2/28/2021
Loan status
Paid in full (1/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Homesmart Sunshine Realty LLC in Pensacola, FL — $471K (2020) · First Horizon Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$353K (75%)
Approval → funding
32 days
Approved
9/29/2020
First disbursed
10/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by First Horizon Bank · Lender record →
Your business? Claim this record · Request removal
Sandoval Lifestyle LLC in Fountain Hills, AZ — $163K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$122K (75%)
Approval → funding
5 days
Approved
7/26/2020
First disbursed
7/31/2020
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a HomeSmart International? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to HomeSmart International businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a HomeSmart International purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. First Horizon Bank funds the most. CapBench is not a lender.

$463K typical HomeSmart International loan
5 lenders fund the brand
10 days typical to fund

Buyers researching a HomeSmart International typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker HomeSmart International record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/homesmart-international
API:: https://www.capbench.com/api/public/lenders?franchise=homesmart-international
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.