Top 10 Centennial Lenders

Emerge Lending Group is a nationwide (non-bank) lending company specializing in rental property loans, portfolio loans, renovation, bridge and ground-up. It was founded for the sole purpose of delivering to business owners quick and reliable financing to buy real estate.

I am an experienced real estate investor and loan broker with over 20 years of experience in the industry. I have sold real estate as a licensed agent, originated conventional mortgages, and arranged hundreds of millions of dollars’ worth of real estate transactions, from commercial financing, construction loans, and bridge deals.

Currently, I am Managing Director of PACE Equity, where I arrange financing for commercial development and renovation funding nationwide. I also originate HUD, SBA, bridge loans, and other types of creative financing for many different situations.

Over the past 20 years in real estate, I have created a platform of financial partners to get all kinds of projects funded. Recently, I re-located from the San Francisco Bay Area to Las Vegas, Nevada.

I still do considerable business in Northern California but, over the years, my reach and network has expanded nationwide. I can conduct business from anywhere and serve people all over the US.

Brock Freeman is the Chief Operating Officer and a Managing Partner at Kirkland Capital Group, which he co-founded. His career spans technology, finance, and real estate in both Asia and America.

Brock worked in Taiwan as a stock market analyst and in Hong Kong he built the sales and marketing department for a software startup.

In the U.S. Brock held diverse roles with mortgage lenders, including loan underwriting and auditing, managing underwriting teams, and build mortgage broker origination networks.

For a fast-growing mortgage lender he led a team to build the industry’s first web-based end-to-end loan underwriting, processing, and secondary marketing platform.

He also led technology teams at Microsoft and TrueBlue, as well as his own construction software startup, Kosah. Brock advises several Real Estate startups and funds.

He started the PropTech Seattle Open House events and started the local chapter of FIBREE.org, the Foundation for International Blockchain and Real Estate Expertise, serving as the Regional Chair.

As a member of the Cascadia Blockchain Council, he has testified to Washington State House and Senate Committees on behalf of blockchain bills. Brock graduated from the Foster School of Business at the University of Washington.

Gabby Letourneau studied Finance at Stetson University and The University of Florida. Gabby has over six years of experience helping people with their financial transactions. At 21, Gabby bought her first home and has converted it into an investment property.

Being a landlord has helped her develop knowledge and insight in homeownership. Along with her personal experiences, Gabby grew up in the real estate world. She knows the processes and procedures. Let Gabby take the stress away.

Whether buying your first house, dream home or investment property, Gabby is here for you. When Gabby is not helping her customers, you can find her riding horses, woodworking and working on craft projects.

As a mortgage professional specializing in cash out loans, purchase mortgages, and helping borrowers repair their credit, I pride myself in excellent customer service and attention to detail. I work closely with home buyers to determine the best loan type to meet their needs and provide competitive rates.

I am highly experienced with first time home buyer programs, jumbo mortgages, condo financing, conventional, VA mortgage, FHA, and 500 credit borrowers. I maintain an open line of communication with my clients to provide comfort and security throughout the process.

My strong work ethic, communication skills, and dedication to my valued clients ensures smooth closings and satisfied new homeowners.

My name is Derek, I was a paramedic for 12 years, but have had a passion for finance for the last 2 years, day trading on my days off. Recently I have decided to make a change to commercial lending. Thus, I started the business JD Rowe Financial.

My goal and mission is to provide a variety of small business loans and flexible financing options. As a paramedic I have saved many lives, now I want to save and advance business.

JD Rowe Financial came out of the medical services industry. We’ve seen firsthand how the latest technologies can save lives, and how access to the latest technologies requires the right capital.

Hospitals and clinics that are funded have better survival rates from the same types of injuries and accidents. Translating that through intensive research into the financing of a broad range of industries, the same facts remain true.

Our goal, from the outset, has been to help businesses like yours receive the fund you need.

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!

Michael is a loan officer at United Mortgage Corporation of America. We service clients from purchase to refinance, forward to reverse, residential to commercial, construction to government. we are licensed in CA, CO, MT, TX, and WA.

Theodore is a Chief Executive Officer at TMD Capital, LLC, a national, direct, private lender. Theodore has demonstrated excellence in the commercial lending, and residential real estate industries.

He is skilled in Sales, Communication, Loan Pricing, Teamwork, and Marketing. Strong business development professional focused in Finance, The Peter J. Tobin College of Business at St. John's University.

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,

My name is Igwe and I'm a commercial broker at NOI Investments, LLC. We specialize in hard money/bridge loans and DSCR loans (Debt Service Coverage Ratio which are used to secure rental properties).

We go as low as a 0.80 Ratio and cover condos, town houses, PUDs, mixed use, 1-100 units. Loans start off at $125,000 ($70,000 for Hard money/new construction financing) and can go as high as $10,000,000 for multi-family units (up to 100 units).