The Commercial Real Estate Acquisition Loan (CREAL) Program helps small businesses in low- and moderate-income areas buy property. Documents are not searchable until two to four weeks after they are recorded.Start your homeownership journey with Philadelphia Federal Credit Union's first time home buyer program. Apply for a mortgage or grant in Philadelphia, PA. The Pennsylvania Housing Finance Agency (PHFA or the Agency) offers home purchase loans with competitive interest rates and lower fees. Commercial Real Estate Acquisition Loan (CREAL) Program. Funding small businesses to purchase commercial property or real estate. I have some questions on how a Director's loan work in a BTL LTD Company, hoping someone experienced here can help answer.