Selling a Real Estate Finance business

In Real Estate Finance, buyers quickly focus on whether you can keep funding and selling loans right after close. Licenses, NMLS change-of-control timing, investor consents, warehouse terms, and repurchase tail risk decide speed and price as much as the P&L do.

Get your valuation Back to industries

What's your real estate finance business worth?

What buyers evaluate, and how to prepare

Can we keep operating through the license and compliance transition?

Deal-critical

Licenses & Approvals

What buyers determine

Buyers are underwriting whether originations or funding pause after close because of state change-of-control filings, NMLS sponsorship changes, branch requirements, or missing control-person coverage. They also want to see that your day-to-day compliance holds up under a new owner during state exams, agency reviews, and investor audits.

How to prepare

Inventory state licenses, branch registrations, surety bonds, and individual license holders by entity and state
Document change-of-control steps and timelines for each state and NMLS, with an owner for every filing
Write a 30/60/90-day plan for operating compliantly while approvals are pending
Summarize recent exams and audits, findings, remediation, and open items with dates and closure proof

Great answer

We’re licensed in 18 states under Entity A. Our qualifying individual is Jane Smith (NMLS ######), and we have documented backup coverage if she’s out. We maintain a state-by-state change-of-control tracker with lead times that usually run 30–90 days, and we can continue operating in 14 states while filings are pending. Our 2023–2024 state exams had minor findings that we closed within 30 days, and the closure letters and updated procedures are in the data room.

Good answer

We’re licensed everywhere we operate and renew on time, but we haven’t built a state-by-state change-of-control plan yet. We can confirm which states allow continued operations while approvals are pending once a buyer is engaged.

Red flag

Licensing should be fine. We’ve never had an issue, so we’ll handle it after closing.

How Rejigg helps:Rejigg’s data room lets you share a state-by-state license and approval tracker with controlled access so buyers can underwrite day-one operability early.

What happens to the warehouse line after you sell?

Deal-critical

Warehouse & Funding

What buyers determine

They want to know whether the warehouse line survives a change of control or requires a full re-underwrite, new covenants, or a new guarantor. Any reset to advance rates, eligibility, or concentration limits can force a restructuring or create a short-term funding squeeze.

How to prepare

Upload warehouse agreements, recent borrowing base reports, covenant calculations, and waiver correspondence
Explain advance rates, haircuts, eligibility rules, aging limits, concentration limits, and margin call triggers
Disclose personal guarantees and the plan to replace, assume, refinance, or pay off at closing
Model a reduced-capacity period during re-papering, including volume, liquidity, and timing

Great answer

We have a $50M facility with a national bank and run 55–65% average utilization with 98% eligible collateral. Haircuts are 2–4% by product, aging is capped at 20 days, and we average 8.5 days from close to purchase. There is a seller PG today. The bank has confirmed they will re-underwrite on a change of control, provided a buyer checklist, and we’re planning for a 45–60-day re-papering window with a temporary capacity cap we can operate within.

Good answer

We have a warehouse line with a strong history at the bank. We think it can continue, but we haven’t gotten the bank’s formal change-of-control process in writing yet.

Red flag

It’s just a bank relationship. The line should stay in place, and we’ll deal with it after the LOI.

How Rejigg helps:Rejigg centralizes facility documents and reporting so a buyer and their lender can diligence warehouse mechanics and change-of-control risk without email sprawl.

What approvals keep the lights on, and what happens on a change of control?

Deal-critical

Investor Takeouts

What buyers determine

In many mortgage models, the true gatekeepers are investors and aggregators that buy the loans and control guidelines, pricing, and turn times. Buyers are testing counterparty concentration, consent requirements, and whether a change of control can trigger repricing, suspension, or termination.

How to prepare

List every investor, aggregator, and wholesale counterparty approval, with volume or revenue and consent requirements
Break down execution by investor and product, including turn times, pricing adjustments, and stip trends
Document QC spikes, suspensions, disputes, or tightened terms and the operational fixes that followed
Prepare a stock vs. asset sale summary focused on how approvals and consents are affected

Great answer

Our top 3 takeouts are 62% of funded volume, and no single investor is above 28%. Two require written consent for a change of control. We have their re-approval packages outlined and can submit within 5 business days of signing. We track turn times and stip rates monthly. Investor A averages 3.2 days to purchase with a 4.5% trailing-doc exception rate, and we’ve had zero suspensions in the last 24 months.

Good answer

We have several investor relationships and haven’t had major issues. We can pull the approvals and confirm consent requirements once diligence starts.

Red flag

If an investor changes terms, we’ll just move loans to someone else.

How Rejigg helps:Rejigg helps you package approvals, concentrations, and supporting reports so buyers can underwrite takeout continuity before they commit to timing.

What repurchase and indemnification exposure are we inheriting?

Deal-critical

Repurchase Risk

What buyers determine

Repurchases, indemnities, and EPDs can show up months later and hit cash hard. Buyers want your actual loss history, current open demands, reserve posture, and whether issues cluster by product, branch, LO, or investor.

How to prepare

Compile a repurchase, indemnity, and EPD log with outcomes, dates, root causes, and counterparties
Document post-close review and QC processes, defect taxonomy, escalation path, and corrective actions
Disclose active demands or threatened claims and estimate best and worst-case exposure
Explain underwriting exception policy, including approvers, frequency, and links to defects

Great answer

Over the last 24 months, we had 9 repurchase or indemnity events out of 3,120 funded loans, a 0.29% event rate, with $210k total net loss. The main drivers were income documentation defects (4) and appraisal issues (3), largely tied to one branch that we retrained and put on enhanced pre-fund QC. We carry a specific reserve for open demands, currently $95k, and we can show the open-item pipeline with expected resolution dates.

Good answer

We’ve had a few buybacks over the years and can pull the history. We don’t have a clean dashboard yet, so we’d need time to organize it.

Red flag

We haven’t had repurchase issues. Buyers tend to overreact to that.

How Rejigg helps:Rejigg keeps claim logs, investor correspondence, and QC evidence organized with permissions so you can share facts without overexposing sensitive details.

What are your unit economics per file, and what moves them?

Deal-critical

Unit Economics

What buyers determine

They’re validating whether margins hold when volume swings, which is common in mortgage. Per-loan revenue, LO comp, fulfillment cost, and lead CAC show whether the platform can scale without defects and contract safely when the market slows.

How to prepare

Break out revenue per funded loan by channel and by product
Quantify direct costs per file, including LO comp, ops labor, vendors, and leads, and separate fixed overhead
Show capacity metrics for high and low volume periods, including turn times, files per ops head, and rework rate
Tie unit economics back to the P&L with consistent definitions and documented add-backs

Great answer

On purchase loans, our average loan amount is $412k, and revenue averages 245 bps per funded unit. LO comp averages 115 bps, and fulfillment plus vendor costs average $2,050 per file. Paid leads are 14% of funded units at a $1,250 CAC, while referrals run about $180 per funded loan in variable costs. We have the same table for 2022–2025, so you can see what changed when margins tightened and what we adjusted.

Good answer

We have a sense of what we make per loan and which channels perform best, but we haven’t built a per-file model that ties to the financials yet.

Red flag

We don’t track it per file. Profit is profit, and it’s too hard to break out.

How Rejigg helps:Rejigg lets you present unit economics next to the supporting financials in one place so buyers can validate margins without weeks of back-and-forth.

What happens to cash during a normal month?

Deal-critical

Financial Readiness

What buyers determine

They’re trying to understand the mortgage cash cycle, including commission timing, investor purchase lags, trailing docs, escrows, and warehouse interest swings. If the cash story is unclear, buyers often push for a lower price, a tighter working-capital target, or a different structure to protect liquidity.

How to prepare

Produce clean monthly P&L, balance sheet, and cash flow, and reconcile LOS production reports to revenue
Build a cash-cycle walkthrough from funding to investor purchase advice to cash receipt, including common delays
Document add-backs with proof and keep one consistent schedule
Prepare lender-ready diligence materials, including tax returns, debt schedules, statements, aging, and escrow summaries

Great answer

We pay LO commissions every two weeks based on funding. Investor cash typically arrives 2–5 days after close, and our trailing-doc cure window averages 9 days. Cash usually dips mid-month from comp and vendor draws, then rebuilds as purchase advice clears. We target a $1.2M minimum operating liquidity buffer, and we can show 24 months of bank balances and warehouse interest trends. Our financials tie to monthly production, and our revenue recognition memo is in the data room.

Good answer

Cash swings with fundings, trailing docs, and commission timing, and we can walk you through it. We haven’t documented the cycle formally yet.

Red flag

Cash is always messy in mortgage. The year-end numbers tell the story.

How Rejigg helps:Rejigg organizes statements, reconciliations, and add-back support in a lender-ready data room so buyers can underwrite the cash cycle quickly.

What is the seller’s role in relationships and approvals?

Important

Owner Dependence

What buyers determine

Buyers want to know which relationships are institutional and which depend on you personally, especially with warehouse banks, investors, top referral partners, and exception approvals. High owner dependence usually means a longer transition, more holdback, and tighter terms around post-close behavior.

How to prepare

Map who owns each key relationship, including warehouse, investors, large referral partners, and top producers
Document who can approve underwriting and pricing exceptions and how decisions are logged
Put retention and succession plans in writing for key leaders and producers
Plan pre-close introductions and a post-close cadence for warehouse, investors, and top referral partners

Great answer

I own the senior relationship with the warehouse lender and two investor contacts, while our head of secondary and compliance lead handle day-to-day and only bring me in for escalations. Our top 10 realtor teams are split: 6 are owned by the sales leader, and 4 are mine. Those 4 represent 11% of volume, and we have a handoff plan with joint meetings in weeks 1–4 after close. Exception authority is written down: pricing exceptions require secondary sign-off, and underwriting exceptions require credit committee approval with a logged rationale.

Good answer

I’m involved in some relationships, but the team runs most of the day-to-day. I’m happy to do introductions and support the buyer for a few months.

Red flag

All the key relationships are mine, and the buyer will need me involved long-term.

How Rejigg helps:Rejigg helps you run a structured handoff plan and keep counterparties, introductions, and buyer communications organized through the transition.

What roles are hard to replace, and what happens if one leaves?

Important

People & Bench

What buyers determine

They’re stress-testing key-person risk in compliance, QC, underwriting, the lock desk, and top producers. In mortgage, one departure can raise defect rates, slow turn times, or draw investor scrutiny, so buyers look for cross-training, documented workflows, and realistic retention tools.

How to prepare

Identify key roles and name backups for each, including compliance, QC, secondary, and ops leads
Document core workflows with checklists for QC, condition clearing, trailing docs, and complaints
Summarize comp plans and retention tools, including stay bonuses and enforceable non-solicits where applicable
Share headcount and productivity trends, including turn times, files per role, and error rates

Great answer

Our compliance lead and lock desk manager are the hardest roles to replace, and we have named backups trained on their procedures with weekly coverage rotation. The top 5 LOs produce 39% of volume, all have updated agreements, and we’ve budgeted a 12-month stay bonus tied to funded units and quality metrics. We track turn times and defects by team. When one underwriter was out last quarter, we met SLAs by shifting work to our cross-trained bench.

Good answer

We have strong people and low turnover, but we haven’t formalized backups for every key role. We can build retention plans with the buyer.

Red flag

If someone leaves, we’ll hire another person and keep moving.

How Rejigg helps:Rejigg helps you present org charts, documented roles, and retention plans in one package so buyers can underwrite continuity.

Where do your loans actually come from, and who owns those relationships?

Good to have

Lead & Channel Mix

What buyers determine

Buyers want a channel mix that survives rate shifts and doesn’t rely on one LO, one realtor team, or one paid-lead source. They also look at the economics by channel because CAC, pull-through, and fallout behave differently in purchase versus refi environments.

How to prepare

Break down funded volume by channel and top sources, including referrals, builders, past clients, and paid leads
Measure concentration for top referral partners, top LOs, and lead vendors with 12–24-month trends
Upload lead and partner contracts, including pricing resets, termination rights, and change-of-control language
Document how you add new referral sources and track conversion and pull-through by channel

Great answer

Over the last 12 months, 52% of funded units came from realtor referrals, 18% from our past-client database, 16% from builder relationships, and 14% from paid leads. No single realtor team is above 6% of volume. Our top LO is 12% and is covered by a new retention package. Paid leads are limited to three month-to-month vendors with CAC targets, and we cut spend automatically when pull-through drops below threshold.

Good answer

We have a mix of referrals and some paid leads, and we can outline the main sources. We haven’t fully quantified concentration and CAC by source yet.

Red flag

Leads come from everywhere, mostly word of mouth. We don’t really track it by source.

How Rejigg helps:Rejigg’s listing format rewards clear disclosure of channel mix and concentrations so you attract buyers who understand mortgage distribution risk.

Straight from buyer evaluations

“Over $3M in recurring software revenue from MLS integrations, plus a licensed mortgage channel generating per-transaction fees. Having both of those revenue engines under one roof is hard to find and it's exactly why I got on the call.”

Two Revenue EnginesBuyer seeing the value of dual revenue streams at a proptech company

“They're plugged directly into multiple MLS systems and loan platforms, so once a brokerage or lender is running their workflows through this product, they don't leave. The retention numbers backed that up completely.”

Clients Who StayBuyer seeing how deeply integrated the product is with clients

“Licensed in over two dozen states with all approvals held at the company level. That licensing footprint took years to build and would cost a fortune to replicate. That alone makes this company worth a serious look.”

Licensing AdvantageBuyer recognizing the value of multi-state licensing

“The compliance workflows are already built into the platform, which means lenders trust the output. When your product is embedded in someone's compliance process, you're not just a vendor anymore. You're part of how they operate.”

Essential to ClientsBuyer seeing how the product becomes essential infrastructure for clients

“The appraisal management platform handles automated assignment, built-in compliance, and faster turnaround times than the industry average. Lender relationships stick because the quality is consistently high.”

Quality OperationsBuyer impressed by operational quality at an appraisal management company

How buyers value this type of business

Where you land in that range depends on how much of your revenue comes from subscriptions that renew automatically versus transaction-based fees that go up and down with interest rates.

2x–8x

annual profit

Depending on recurring revenue, licensing, and how much runs without you

What drives a premium

Subscriptions and contracts that renew automatically
MLS subscriptions, software fees, or minimum-volume agreements with documented renewal rates show buyers income that survives market cycles.
Licenses across many states
Company-held licenses in ten or more states represent years of regulatory work that a buyer would otherwise have to do from scratch.
Deep integrations with client systems
When your product is plugged directly into MLS platforms or lending software, the hassle of switching keeps clients from leaving.
Compliance built into the product
Security certifications, audit workflows, and quality controls built into your platform show buyers the business is professionally run and trusted.

Common add-backs

Your salary above what you'd pay someone to run the operationOne-time audit, licensing, or compliance setup costsPersonal guarantees on credit lines that won't carry forwardConsulting fees from one-time projects mixed into recurring revenue

What the process looks like

5–8 months from listing to closemedian 201 days across closed deals

1
Listing
The day your business goes live on Rejigg.
2
First messageMedian: 4 days later
A buyer requests a conversation by sending a first pitch.
3
First callMedian: 7 days later
Your first completed call with a buyer to answer questions about your business.
4
Letter of intentMedian: 59 days later
A buyer submits an LOI and you choose to accept, decline, or negotiate.
5
Deal closeMedian: 89 days later
Assuming all is well in due diligence, you close the deal.

See the data behind this timeline in the 2026 Insight Report

Typical buyer types

Mortgage companies looking to add origination volume, geographic licenses, or compliance technologyCompanies building a portfolio of appraisal management, mortgage tech, or servicing operationsProptech companies looking to expand their product suite through acquisitionExperienced operators from financial services looking to enter mortgage or real estate tech

Common questions about selling a Real Estate Finance business

What is a Real Estate Finance business typically worth?

Most real estate finance firms trade on a multiple of normalized earnings, but buyers usually discount peak-cycle margins. They separate one-time or volatile gain-on-sale from income that holds up better, such as servicing fees, contract platform fees, or recurring broker program revenue, then adjust for warehouse constraints, compliance cost, and repurchase or EPD exposure. To sanity-check pricing against real-world ranges, use Rejigg’s <a href="/valuation" style="color: #1d4d05; font-weight: 600;">free valuation calculator</a> and run downside cases that reflect rate and volume swings.

How do buyers treat gain-on-sale volatility in valuation?

Most buyers normalize gain-on-sale using multi-period averages and then stress-test pull-through, fallout, and hedge results. Wider-than-peer margins often get a haircut unless you can show stable execution, a disciplined renegotiation policy, and consistent investor pricing. Concentration matters, too. If one outlet, one branch, or frequent exception pricing drives the result, buyers typically price that as fragile. The cleanest defense is a simple bridge from locks to fundings to margin, plus what happens to extensions and fallout when rates move.

Can my buyer use an SBA loan to buy my real estate finance company?

Sometimes. An SBA loan can work for smaller, fee-based brokerage models, lead-gen businesses, or other structures that do not depend on warehouse funding and complex investor approvals. It is often harder for correspondent or warehouse-dependent lenders because lenders will scrutinize licensing, regulatory exposure, revenue recognition, and existing debt or covenants. If a buyer is SBA-backed, expect lender-ready financials and a straightforward entity and asset story. You can model payments and leverage with Rejigg’s <a href="/sba-calculator" style="color: #1d4d05; font-weight: 600;">SBA loan calculator</a>.

Do I need a broker to sell a Real Estate Finance business?

No. In mortgage and lending deals, serious buyers usually care more about licensing continuity, warehouse terms, investor approvals, and repurchase history than a polished narrative. If you can run a tight process and produce a clean diligence package, you can often sell without paying a success fee. Rejigg provides pre-vetted buyers, digital NDAs, a built-in data room, direct messaging, and offer comparison, free to sellers (buyers pay). Start with the <a href="/owners/owners-guide/prepare-to-sell-your-business" style="color: #1d4d05; font-weight: 600;">preparation guide</a>.

Asset sale or stock sale—which is more common for mortgage and lending businesses?

It depends on what has to carry over on day one, including state licenses, NMLS records, investor approvals, vendor contracts, and warehouse facilities. Stock deals can preserve approvals and continuity, but buyers often prefer asset deals to reduce exposure to legacy repurchase tails, complaints, and exam history. Many transactions end up a hybrid, where key permissions stay in an entity while other assets move. The practical first step is mapping which licenses and approvals sit in which entity before negotiating terms. See <a href="/owners/owners-guide/negotiate-a-deal" style="color: #1d4d05; font-weight: 600;">negotiate a deal</a>.

How long does it take to sell a Real Estate Finance firm?

A well-run process is often 3–6 months, and approvals can extend it. Change-of-control filings, NMLS updates, investor re-approvals, and warehouse re-underwriting add third parties to the critical path, so LOI-to-close is often longer than in non-regulated services. Timelines vary by state and by your counterparty set. The quickest closes usually happen when the seller can share licenses, approvals, funding docs, QC history, and claim logs on day one in a secure data room.

What is “working capital” in a mortgage lender sale, and why do buyers negotiate it?

In mortgage businesses, working capital is mainly the cash buffer needed to ride timing gaps between funding and investor purchase advice, while still paying commissions, lead bills, vendors, and warehouse interest. Buyers negotiate a target so they do not have to inject cash immediately after closing. The exact definition varies by business model and whether escrows or trust accounts are involved. If you do not define it early, it often becomes a late price adjustment. A documented cash-cycle walkthrough reduces surprises during <a href="/owners/owners-guide/due-diligence-and-closing" style="color: #1d4d05; font-weight: 600;">due diligence and closing</a>.

What happens to MSRs in an acquisition—do they transfer automatically?

MSRs usually require specific transfer steps and often need consents, depending on who owns them, who subservices, and what agency or investor rules apply. Buyers will dig into delinquency and advance behavior, subservicer performance, recapture assumptions, and any restrictions on transfer or collateralization. If the MSR position is small, hard to reconcile, or tied to messy reporting, some sellers sell it before the transaction or carve it out. The main point is to define early what MSRs are included and which obligations follow them.

Are earnouts common in Real Estate Finance deals?

Yes. Because mortgage volume, pull-through, and secondary margins can move quickly, earnouts are often used to bridge valuation gaps. Common metrics include funded volume, revenue, or profitability, and some buyers add quality gates like defect rates, EPDs, or repurchase losses. Definitions matter a lot. You will want clarity on channels and products included, accounting treatment, hedge impact, and what happens if the buyer changes pricing or overlays. Rejigg’s offer comparison dashboard helps you weigh earnout risk against a higher cash-at-close offer.

How do non-competes and non-solicits work in mortgage and lending transactions?

They are common, but enforceability varies by state and by worker classification, especially for loan originators who may be contractors. Buyers usually want protection against the seller recruiting producers, re-opening in the same markets, and soliciting referral partners or staff. Scope and duration should match the footprint of the business and your post-close role. In practice, non-solicits for LOs, processors, and top referral partners often matter as much as the non-compete itself because relationships drive pipeline.

What is “seller financing,” and does it happen in this industry?

Seller financing means you carry a note for part of the purchase price. It shows up more in smaller broker or fee-based shops, and it can also appear in lender deals when approvals or funding changes add timing and execution risk. Warehouse-dependent models may need more structure because covenants and liquidity requirements can limit flexibility. If you carry paper, confirm it does not trip warehouse or investor covenants, and negotiate clear default remedies, security, and any personal guarantees. Rejigg compares offers side-by-side so seller notes do not get lost behind headline price.

How do buyers diligence a real estate finance tech stack or proptech data access?

Buyers focus on what runs the operation day to day, such as the LOS, pricing engine, CRM, doc management, call recording, and how data moves between them. They will review contracts, admin access, and whether a vendor can terminate or reprice on a change of control. If you have MLS, credit, or other data agreements, expect close review of usage limits, audit rights, and sublicensing restrictions. Incident history matters because a data event can trigger investor scrutiny or regulatory attention. Keep contracts, SOC reports, if available, and admin runbooks in a secure data room.

What taxes should I expect when selling my real estate finance business?

Tax outcomes depend on structure and facts, including asset versus stock, allocation across goodwill and other assets, entity type, and whether MSRs or retained portfolios are part of the deal. Asset sales can create ordinary income components in places sellers do not expect, while stock sales can lean toward capital gains treatment, but it varies. State taxes can also matter if you operate in multiple jurisdictions. Bring in a tax advisor early and model after-tax proceeds alongside headline price so you can compare offers on what you actually keep.

What documents do buyers ask for first in due diligence?

Early diligence in real estate finance usually starts with licenses and NMLS details, control-person information, warehouse agreements and reporting, investor approval lists and key contracts, and compliance materials such as exam reports, audits, QC summaries, and complaint logs. Buyers also ask for repurchase and EPD history, production reports covering locks, fallout, and fundings, plus major vendor contracts like LOS, credit, flood, title, and doc prep. Rejigg’s built-in data room is set up for these asks so you can stage access after NDAs and keep momentum.

How do I keep confidentiality when selling a regulated finance business?

Assume producers, investors, and warehouse partners will react quickly to rumors, so keep disclosure tight and staged. Use pre-vetting and signed NDAs before sharing anything that identifies counterparties, top LOs, or facility terms. Start with aggregated metrics, then share names and contracts later when intent is real. Avoid sending diligence by email because it is easy to forward. Rejigg supports pre-vetted buyers, digital NDAs, and permissioned sharing so you decide exactly who sees warehouse docs, investor agreements, and compliance materials.

What’s a typical transition timeline for the seller after closing?

Many deals use 30–90 days of hands-on transition followed by lighter support, but mortgage and lending firms sometimes need longer coverage. Licensing approvals, investor confidence, warehouse re-papering, and repurchase tail management can keep the seller involved beyond a standard handoff. Most buyers want the seller for key introductions, escalation paths on claims or audits, and help retaining top producers. Spell out the role in writing, including what you will do and what you will not do. See <a href="/owners/owners-guide/transitioning-after-the-sale" style="color: #1d4d05; font-weight: 600;">transitioning after the sale</a>.

Should I sell now or wait for rates/volume to improve?

It depends on what buyers will see when they stress-test your model. Purchase-heavy pipelines, diversified referral sources, stable investor execution, and tight QC can sell well even in a down cycle because buyers can underwrite survival. Peak refi-driven earnings tend to get discounted unless you can show how you replace that volume and protect margins. Waiting can help if you use the time to reduce concentration, document approvals and funding continuity, and clean up claim history and reporting. Rejigg lets you test valuation scenarios and talk to vetted buyers without committing to a full process.

What’s the biggest reason Real Estate Finance deals fall apart late?

Late breakups usually trace to day-one operability issues that were not surfaced early. Common culprits include a warehouse line that needs a new guarantor, investor approvals that require consent, licensing timelines that pause originations, or undisclosed repurchase, complaint, or exam history that spooks counterparties. Most of the time, these are solvable if you bring proof early and let the buyer build structure and timing around the real constraints. Rejigg’s guided process and staged data room access help surface these items before months are lost.

How do I sell my real estate finance business?

Start by separating your recurring revenue from transaction-based income and gathering your licensing and compliance details. You don't need everything polished before you start. List on <a href="/" style="color: #1d4d05; font-weight: 600;">Rejigg</a> where buyers are actively looking for mortgage, appraisal, and real estate tech companies, and you'll connect with them directly. No broker required.

What is my real estate finance business worth?

Most real estate finance businesses sell for 2 to 8 times annual profit. Where you land depends on how predictable your revenue is, how many states you're licensed in, how deeply your product is integrated with clients, and how much the business runs without you. Use <a href="/" style="color: #1d4d05; font-weight: 600;">Rejigg</a>'s <a href="/valuation" style="color: #1d4d05; font-weight: 600;">free valuation calculator</a> to get a starting estimate.

How long does it take to sell a real estate finance business?

Do I need a broker to sell my real estate finance business?

No. Brokers typically charge 5 to 10 percent of the sale price. <a href="/" style="color: #1d4d05; font-weight: 600;">Rejigg</a> gives you buyer vetting, secure document sharing, and direct messaging so you can handle the process yourself. <a href="/owners/schedule-consultation-call" style="color: #1d4d05; font-weight: 600;">Schedule a free consultation</a> to see how it works for regulated financial services businesses.

What do buyers look for in a real estate finance business?

How do licensing requirements affect the sale of a mortgage business?

Licensing is one of the most important factors in a mortgage business sale. Buyers need to know whether your state licenses are held by the company or by you personally, and how long approvals take. Having a clear transfer plan with renewal dates mapped out before you start prevents the most common delays. <a href="/owners/schedule-consultation-call" style="color: #1d4d05; font-weight: 600;">Talk to Rejigg</a> about planning your transition.

How does recurring vs transaction-based revenue affect my valuation?

What happens to credit lines and personal guarantees when I sell my mortgage company?

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