Top 10 Lone Tree Lenders

I started in the mortgage business in 2013 as a Loan Officer Assistant and would study guidelines to perfected my future profession. I eventually worked my way up to being a Mortgage Loan Officer in 2014 and was employed with LoanDepot for 3 years.

I then left and moved on to a smaller company Paramount Equity Mortgage that was eventually changed to LoanPal, that is where I got a big understanding of Solar Loans as they serviced over 1 billion dollars worth of solar loans.

From there I moved on to Mr. Cooper one of the largest Non Bank Servicers in the country. That was my last and final stop in the corporate world as I moved on in 2020 to being on my own and starting my own business. I know have been an Independent Mortgage Broker since 10/2020.

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,

REO Lending is the nation’s premier lender for buy and hold investors offering, long-term loans for SFR and commercial rental properties, including vacation rentals.

Vision: Be a leader in defining and expanding the eco-system of investors, tenants and service providers for single-family and small multi-family and mixed-use commercial properties

Mission: Deliver the fastest, simplest and most dependable mortgage financing to enable investors to grow their commercial real estate portfolios, improve cash flow and build wealth

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.

Zane is a loan officer assistant at Park Place Finance.

We are your one stop shop for Real Estate Financing!
RAM Capital Partners is a brokerage for property financing. We have relationships with private lenders and investors nationwide that allow us to find the best deal possible for our clients. We focus on commercial and residential investments. Every deal has a home and we will do everything in our power to get what you need. We pride ourselves on transparency and honesty. Reach out today to see how we can help you get what you want.

Pacific Equity & Loan is a Washington state based hard money Lending company. It was founded at the end of 2018 by managing partners Sang Yoon and Scott Baukol.

Both equipped with years in private money lending, real estate investment, business operation, and money management, Pacific Equity & Loan was born from the ideas of forward thinking and knowledgeable leaders.

With a focus on empowering clients, Pacific Equity and Loan provides a better, faster, and cheaper alternative to the typical paperwork-heavy origination process offered by most other lenders.

Anything but traditional, it is easy and reliable to go through PEAL’s loan process. The PEAL staff is dedicated to creating a fast process for all clients and with low origination costs, PEAL is the optimal lender for your next real estate investment.

Vistoc Capital is nationally recognized for providing the highest level of financing services for our esteemed clients. Our business loans and commercial finance options enable both small businesses and large corporations to obtain the working capital they need to take their companies to the next level. We have established a group of experienced professionals who focus on funding your business ventures.

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).

Next-Financing provides real estate loans to investors nationwide via a simplified, easy-to-navigate application/approval/funding process. We currently offer a full suite of real estate loan products.

Our focus is on the broker and investor community – in search of alternative financing after the banks have turned them down. We are a one-stop-shop with direct involvement from beginning to end.

From loan submission to funding, we handle the process in-house. With today’s ever-changing guidelines, we do everything possible to assist our clients and broker partners, offering a national lending platform with defined rate sheets, easy-to-understand underwriting guidelines, and in-house discretionary capital.