Top 10 Flagler Beach Lenders

Shmuel Shayowitz (NMLS#19871) is a highly regarded Real Estate & Finance Executive, Writer, Speaker, Coach, and Advisor. He is President and Chief Lending Officer of Approved Funding, a privately held national mortgage banker and direct lender.

Shmuel has well over $2 Billion in mortgage origination under management. Shmuel has over twenty years of industry experience, holding numerous licenses and accreditations, including certified mortgage underwriter, licensed real estate agent, residential review appraiser, and real estate investor, to name a few.

Obtaining his real estate license at the age of 18, Shmuel has successfully navigated through many changing markets and business landscapes, making his market insights and experience well coveted within the real estate industry.

Within the mortgage industry, Shmuel has achieved recognition as a Certified Mortgage Advisor, a distinction earned by only the top 1% of the industry. Some of Shmuel’s many awards include Forbes and NJ Monthly Five-Star Mortgage Professional, The Jewish Standard “Mortgage Lender of The Year,” and Most Connected Mortgage Professional, as well as many others.

Shmuel utilizes his passion for education as a contributing writer, industry speaker, coach, and advisory board member. His articles have been published in Entrepreneur Magazine, where he is a featured Leadership Network Contributor.

He is also a member of the Forbes Real Estate Council since 2019. His real estate and financial insights have been featured in CNBC, Forbes, Fox Business, USA Today, The Bergen Record, Realtor.com, TheStreet.Com, Entrepreneur Magazine, and countless mortgage industry publications. Shmuel has been a weekly contributing writer at the Jewish Link, one of the largest Jewish publications, since 2015.

Shmuel resides in Bergen County, New Jersey, with his wife Esther and their five children. They are highly involved in their community and passionate about participating in organizations and services that can benefit from their time and expertise.

Brian Shahwan is a residential mortgage banker & broker with The Melissa Cohn Group at William Raveis Mortgage licensed in New York, New Jersey, and Florida. As a broker he has relationships with over 70 different investors and lenders providing financing solutions for every different type of borrower, financial situation, and property type. Please don't hesitate to reach out with any questions or to discuss a specific scenario. [email protected]

NMLS # 2166562

Wendy has been in the real estate industry collectively for 28 years, initially licensed in 1987. She worked solo and in big brick and mortar offices, and went virtual in 2017, but recently joined Fathom Realty as its State Broker.

In 2020, Wendy decided to become licensed as a Loan Officer and is approved to write mortgages in nearly half the states in the U.S. Wendy has achieved the Graduate Realtors Institute (GRI), Certified Residential Specialist (CRS) and e-Pro designations from the Natl. Assn. of Realtors, which are symbols of excellence in the real estate industry.

Only a small percentage of all agents earn the CRS designation. Wendy enjoys working with clients and colleagues virtually, through Cloud-Based technologies.

With over 15 years of experience in the financial services industry, I am a mortgage lending expert and a proven leader in the consumer-direct mortgage brokerage and lending space.

As the President and CEO of Client Direct Mortgage, I leverage industry-leading technology and access to tons of loan types to help borrowers purchase or refinance fast and efficiently.

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).

Mann Mortgage is a trusted and family-owned home lending company based in Montana & licensed in 30+ states. We offer conventional loans, renovation loans, innovative construction loans, and reverse mortgages.

Since our humble beginnings in 1989, Mann Mortgage has held true to our founding values, and has created a reputation of quality support and growth in the markets we serve. Our team helps qualified borrowers to fulfill their dreams of home ownership with ease.

I began my career in loan origination at a local community bank in 2010 shortly after completing college with a degree in finance. During my time at the bank, I was able to help many in my community with financing purchase their first home or refinance their current loan. However, something was missing.

After doing some market research, I realized that by being a broker, instead of working for a bank, I could actually help more people and offer better rates. So in 2013, I decided to make a change and become a broker. While I enjoyed my time at the bank, becoming a broker was the best thing I could have done.

Instead of only being able to offer the banks product, I could now shop amongst hundreds of different wholesale lenders for the rate for my clients. And I chose to work with a broker who is one of the largest, and because of its size, is able to negotiate preferred pricing and service for its client.

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.

Pam is a Mortgage Loan Originator at Beach Line Mortgage.