Top 10 Oceanside Lenders

INSIGNIA Financial Services, LLC is a non-bank lender, intermediary, and capital markets advisory firm. We provide access to a broad array of debt and equity capital for real estate collateral in all markets nationwide.

Eligible property types span the full spectrum of income producing and owner-occupied commercial real estate, including multifamily, single family, industrial, retail, hospitality, self-storage and others.

Our roots are deeply entrenched in working diligently with real estate investors and entrepreneurs to enable successful outcomes in today's complex operating environment, where strategy, liquidity, and execution are paramount.

We also provide private capital to investors for time sensitive, opportunistic transactions in which traditional financing isn’t an option.

Dakotah Kutz is a licensed Loan Originator serving Colorado, Texas, California, Wyoming and Florida. Over the past 4 years Dakotah has helped over 300 families accomplish their goals of home ownership and was ranked a top 1% loan originator with Mortgage Executive Magazine.

With Dakotah and NFM Lending, you can be confident that your transaction will start with getting to know your financial situation to determine the loan that best meets your current and future needs.

NFM Lending is dedicated to streamlining the loan process in order to shorten the time from loan application to closing without sacrificing service or quality. Whether you are purchasing or refinancing your home, Dakotah Kutz is here to help with all your home mortgage financing needs!

At Eniji Capital, we specialize in helping real estate entrepreneurs and investors get the commercial loan they need. We are a commercial loan broker that specializes in commercial and residential real estate loans.

We strive to provide our clients with the best solutions for their housing needs, whether they are seeking financing for a single property or for a portfolio of investments. We work with multiple lenders, allowing us to give our clients the most competitive terms available.

WHY CHOOSE US? ‍
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• We offer an extensive network of lenders - We work with more than 50 different lenders, giving you the best option for your specific needs.
• Experienced & Professional Loan Brokers – Our team of loan brokers have decades of experience in the real estate and lending industry.
We are here to provide you with the highest quality advice and assistance.
• Obtain Financing Quickly – We provide fast and reliable financing. Our team can have financing approved for you in as little as 10 days.
• Highly Accessible – We will always be available to answer your questions and provide you with status updates on your loan process.

John Gearries is a licensed loan officer in CA and IN. He's also a licensed realtor in CA. John Gearries was raised in Queens, NY, and Indianapolis IN. John graduated from Indiana University with a Bachelor's in Communications and has an MBA with a focus on business management.

After graduating college John moved to California and began a career in mortgages. He has experience in helping buyers purchase at great prices and listings sell at market value.

On the lending side, John can help with purchase loans, refinances, cash out, bank statement loans, lite income doc loans, hard money, reverse, HELOC, fixed seconds, and commercial mortgages. Whatever your mortgage needs John's experience and client service will win you over especially when he gets you a marvelous deal.

Rebecca is a loan officer at Ennkar, Inc. Our team is dedicated to providing a high-level of service as we understand how important a home loan is to every household. We have mastered our start-to-finish process and we are actively searching for new ways to make it even better.

Our mission is to help each and every household find and acquire the loan that is right for them and their family. Our goal is to become the first & primary resource center for financing your home.

Roberta Koehl is the Founder and Managing Director of Marina Financial Funding and Windhorse Estates. Roberta started as a Commercial Loan Officer in 1987 with Marina Mortgage. Then, opened Marina Financial Funding in 1990 to offer residential loans in addition to commercial loans. In 2017, Roberta opened a sister company, Windhorse Estates to provide real estate sales to her clients.

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Aureus Finance Group is a private lender that focuses on customized products for residential real estate investors. With Aureus’ extensive lending experience, diverse skill sets, and advanced technologies we provide ideal-fit products to investors/borrowers along with an unmatched, high level of concierge-style service.

Aureus Finance Group is revolutionizing the real estate industry by leading the development of new, innovative, and customized loan products to meet the unique needs of our borrowers.

Experts at handling all types of loans, we’re powered by people who work closely with you to help your business thrive. Discover why more and more professional real estate investors are choosing Aureus as their loan partner.

Kenny’s been navigating the real estate market through two of the most turbulent decades for housing and loans. He’s spent 17 years of working with thousands of borrowers in the San Diego area and beyond—he’s helped fund over $1 billion in loans for his clients.

Living and working on both sides of the 2008 housing crisis has given him perspective on how rapidly market conditions and mortgage programs can change. Combine that with his commitment to self development and discipline, and he has a unique insight into how to help clients reach their goals.

Kenny knows that the real magic happens when he and his team works together to provide superior service and transparency for those clients willing to seize their own future.

Hi Realtor Partners,

Hope you’re doing well during these challenging times. Let’s stop losing loans just because your client didn’t qualify through the traditional channel. We can provide you access to both Regular & Non-Traditional mortgage solutions & Commercial lending too. Your time is valuable so I'm going to cut right to the chase on what we offer.
For Traditional Loans (Conventional, FHA, VA, USDA, Jumbo, Renovation)

• we have access to Down-Payment Assistance ($0 Money Down) on FHA & USDA Loans
• no credit score requirements on FHA & VA Loans
• 3-2-1 Temporary Buydown program which benefits Buyers, Sellers & Realtors

For Non-Traditional Loans aka NON-QMs or Portfolio Loans (Perfect for the Self-Employed)
• No Income Required on Investment Properties
• we can use either 12 Months of Bank Statements OR 1 Year of Profit & Loss Statement to qualify
• utilize Financial Assets (Asset Depletion) as income
• we cater to clients with ITIN numbers & No VISAS
• only have 1 year of 1099 income – not a problem
• Non-Warrantable Condos & Condo Hotels – not an issue
• 5-to-14 Unit Properties – is allowed
• Tip income (servers, casino dealers, etc.) not on paystubs – is acceptable
• own a Marijuana Dispensary – we do them too


Let us be your one stop shop for the majority of your clients’ lending needs. We’ll get them pre-approved beforehand so that they can shop confidently. I make every attempt to be available to you Monday through Sunday. If I don’t answer, just text me and I’ll call you right back. Here is my personal cell phone number, 602-760-9461, please reach out to me with any scenarios. When we have a qualified buyer, we’ll reach out to you as well. We’ll get through these times together.

(All programs listed above are available at the time of this email and are subject to change without notice, please do not hesitate to call me for updates)

Sincerely,