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private money Loan

  • Borrowers may be able to close in as little as 10 days from the time they sign our disclosure package which lays out the terms in black and white.

  • We lend up to 100% of purchase price when it makes sense. Construction draws are sometimes available on homes with excellent ARV potential.

  • We lend up to 80% Loan-to-Value (LTV) on cash-out refinances. We use multiple factors to establish current value.

  • Borrowers may be able to get 24-48 hour approvals with no minimum credit score requirements.

  • We can provide price quote and loan amount estimates within 24 hours of our initial phone conversation.

  • We lend on Investment Properties, Commercial Properties, and Primary Residences.

  • Primary residence loans are available with 50% down or 50% LTV.

  • We offer 2 year balloon terms and shorter options.

  • There is between a 0-12 month prepayment penalty depending on multiple factors.

  • Renewals are sometimes available after the end of the loan term without having to close a second time.

  • The maximum loan amount is $1 Million. We get more conservative with underwriting above 300K.

  • Blanket loans on multiple properties are available.

  • Foreign Investors are OK with a seasoned US bank account and a Florida S Corp or LLC.

  • Pre-Approval letters along with PROOF OF FUNDS are available after receiving a full application and the delivery of all other needed items (i.e. 2 full bank statements or tax return, ID, and name of insurance agent).

  • Borrowers must guarantee the loans personally.

  • Borrowers must insure the property. Wind insurance is required. Flood is not required in all cases.

  • Investment opportunities for private lenders are available. Call our team for details.

  • Learn about our Fix and Flip loan programs.

Our Reviews

  • Mike single handily made this process so easy! He kept me updated through the entire process and it felt like I had someone in my corner. I would highly recommend working with him and gateway capital! Truly thankful for their service!

    Amanda V

  • I had a great experience working with Chris Rezk. He is hardworking, dedicated, and knowledgeable! He worked tirelessly to get my loan in time for closing. He was very responsive and made the process smooth and stress free.

    Ryan Zaglama

  • I could not be happier or more satisfied with the level of service I received from Gateway Capital. From Michael Tadros connecting all the dots for me, and tirelessly answering my many questions, to Ana Miller-Naar patiently walking me through my insurance options, this team surpassed our expectations. Not least of all, the wonderful Jill Statz, worked very hard to make the deal happen, even though the appraisal on the property I was buying caused a significant bump in the road, and she did it on budget, on time. I could not be more grateful for the work each of them put into my home buying experience. It was a very positive experience because of each of them. In retrospect, I am very glad I chose Gateway Capital to represent my best interests. I would recommend them without hesitation.

    Dylan Currier

  • We had an exceptional experience working with Michael for our mortgage needs. From the very beginning, he was incredibly knowledgeable, professional, and attentive. He took the time to explain every step of the process and answered all our questions with patience and clarity. What truly stood out was his dedication to finding us the best possible rate and terms that we would use for his family or friends. He worked tirelessly to ensure we were comfortable and confident in our decisions including nights and weekends. The communication was seamless, and we always felt well-informed throughout the entire process. We recommend Michael and his team without hesitation.

    Jeff B.

  • Michael and his team at Gateway were fantastic to work with. They were very responsive and helpful in answering all my questions. Michael took the time to explain the whole process and walk me through step by step. He was honest and upfront about how buying points worked and did not try to push me into buying points like other mortgage lenders did, and was still able to provide the best rate. After spending hours on the phone with multiple different lenders, none of them explained the process or provided as much guidance as Michael and his team. They were truly a pleasure to work with and I would highly recommend them to anyone looking for a Mortgage lender. I will definitely be contacting Gateway for any home purchases in my future!

    Aaron Stewart

  • Qualifying to buy a house can be a daunting task, and let me tell you I am so grateful I came across Gateway Capital Mortgage. Michael Tadros is a pro, he really genuinely wanted to help me get this done for my family, and that we did! He was easy to reach, so informative and knowledgeable, and always involved throughout the entire process. All of the associates I dealt with were fantastic, shout out to Julie, she was such a pleasure to work with as well. I will definitely be using them again in the future. To anyone reading this considering if this company would be right for you: I would 100 percent recommend them.

    Kevin B.

  • Thank you for the easy and efficient communication through out the entire process. I really enjoyed working with both of you! I will defiantly recommend you guys to the people around me and coming back for future refinancing. Thank you for making my dream come true! Happy thanksgiving!

    Jill F.

  • "We worked with Michael Tadros from Gateway Capital Mortgage to get a loan for the purchase of our new home. Michael & his team were wonderful to work with from beginning to end! He was quick to send out our pre approval letters as we went through the offer process and was very responsive when ever we had questions. Michael & his loan officer Nicole Bartlett kept everything moving quickly. When we indicated we wanted to pay our funds to the title company early they made sure to get all their numbers to the title company early so we could finalize our closing statement. They also coordinated the loan closing package with the title company so everything was seamless for our closing. Their prices were fair and what we were told up front. Michael kept us informed regarding interest rates & we never had to pay points. There were also no hidden fees. I recommend Michael & Nicole from Gateway Capital Mortgage and I would use them again! The best thing we did was connect with Michael Tadros before we started out home search process so we could get pre approved for our loan, He also referred us to a great realtor so our entire experience from picking our home to closing was wonderful! Thank you Michael & Nicole!!!"

    Susan

  • "I want to thank you for all your assistance with my mortgage. You and your team have made this process extremely easy and smooth. I have only heard horror stories about how difficult and stressful the process of securing a mortgage and buying a house is, but this was not the case for me. I appreciate you taking the time to answer my many questions and for clearly explaining what everything meant. I am very happy to have found Gateway Capital before starting the home buying process."

    Noah

  • "We were helped by Chris Rezk at Gateway Capital. Chris had our best interests, pun intended, from the get go. He had our backs when the appraisal company tried to gouge us and got our appraisal for more than half off the price originally quoted. He was very responsive with any questions we had and is a true professional. Thank you Chris and Gateway Capital."

    David Muiznieks

  • "Chris and his team did a great job and the entire re-fi process went smoothly. Their "closer" was even able to meet us at a public site to ensure a safe environment during these crazy times."

    John Husar

  • " I wanted to drop you a note to say a big THANK YOU for the work ya'll did to make our refi go so smoothly! The 3 of you are some of the most professional, competent and easy to work with individuals Ive ever had the pleasure to deal with. Your communication, diligence and attention to detail made the entire process effortless. Companies are people and you are great representatives for Gateway - I have nothing but high marks for Gateway because of you. Chris - you were always available phone or email to discuss the closing, terms etc! Julie - you kept the entire thing moving and never let anything fall through the cracks. Nevene - perhaps the most impressive of the bunch! You took over when Julie was out - I was worried, but you did not miss a beat and kept the entire process going. I have one favor to ask - would you forward me the contacts for your direct supervisors/dept heads? I would like them to know what an absolutely fabulous job each of did!"

    Julie and Chris Nevene

  • "Hi Nicole, The final documents to review, before the signing event on Monday----excellent job !!! Slightly disappointed that the stars did not align to get the float down option; the interest rates have been crazy all month. We are truly thankful for the rate we were able to receive from Gateway Capital....and the outstanding service from all, who were involved in making this refinance happen--many, many heartfelt thanks !!! Best wishes for a wonderful weekend to you, Michael, & staff."

    James Kraus

  • "I was a little worried about refinancing, but this turned out to be a really good experience. Michael at Gateway did everything he promised and then some. The expenses and the rate were both actually lower than originally quoted. There is paperwork to fill out, but it's only a one-time thing compared to saving lots of money every month for many years to come. Well worth the effort with Gateway."

    Terrence Miller

  • "They have helped me with 5 loans/refinances over the last 10 years. Each time they have had the lowest rate and fair fees. They know their stuff, and the staff is on top of it! Thanks for the great work!"

    Michael Gayed

  • "Refinanced (twice) using Gateway Capital. Best rates around. Mike was very easy to work with and explained everything I had questions on. Smooth process."

    James Moawad

  • "Used multiple times for refinancing and never had any issues. Great professional service and quick turn around."

    Michalina Bratko

  • "I have worked with gateway for years and would highly recommend! I’ve been so happy with my refinancing and they make the process so easy! Their staff is super good at communicating what needs to be done I appreciate it their professional staff."

    Deanna Nesci

  • "I recently refinanced my home mortgage with Mike at Gateway Capital. It was such a smooth and easy process. He were very professional and answered all my questions in a timely fashion. Getting and signing documentation was very simple. I highly recommend them! Thanks for finding me a great rate!"

    Sherry G Moawad

  • "We recently closed on a home mortgage refinance with the help from Chris Rezk. We worked with Chris in the past so this was a no-brainer to return for his help. If there were any questions or concerns from us, Chris would always respond in a professional and timely manner. With his assistance the process from start-to-finish took just under five weeks ! If we ever have a need for mortgage guidance in the future, without hesitation, we’ll contact Chris. Chris, thanks again from two very satisfied clients."

    Lary & Denise M.

  • "We recently applied for a mortgage with Gateway Mortgage and worked with two employees, Chris Rezk and Jill Statz. I wanted to let you know how great these two were when helping us apply for the mortgage. We closed on June 20th (would have emailed you sooner but we have been busy with the new house/moving, etc.) The closing went without a hitch. Both Chris and Jill were extremely professional and pleasant to work with and made it so easy to get through what is usually a very stressful process. Chris worked hard to get us the best possible mortgage to meet our needs and Jill kept us organized with all the necessary paperwork. We have never had such a pleasant experience applying for a mortgage and over the last 50 years, we have applied for at least 12-14 new mortgages and refinances. We appreciated all they help very much. They are two outstanding employees. "

    Alan and Audrey G

  • "Chris and Jill- Thank you guys for all your help working to get my refinance of my mortgage completed. Chris especially deserves some extra thanks for working with me through my trials and tribulations for nearly a year! I will gladly recommend you all for anyone I know that is looking for a new mortgage or refinance. Thanks again! "

    Andy

  • "Wanted to let you know that our closing went off without a hitch and to thank you both for all your work on our mortgage. You were both extremely professional and pleasant to work with and made it so easy to get through what is usually a very stressful process. We appreciated that very much. One more request for you – please send me the name of your boss(es) with email information. We would like to send them an email letting them know what a great job you did. Thank you again."

    Audrey

  • "Smooth, seamless process. Michael and Jill were both wonderful to work with. They were on top of everything from start to finish. Each step of the way was quick, efficient and concise. I highly recommend Gateway Capital Mortgage to anyone looking for a mortgage or to refinance their home."

    Melinda B

  • "I highly recommend Michael Tadros with Gateway Capital Mortgage. He has helped several of our Real Estate customers secure a mortgage for a new home. I have found him to be a great communicator, always responding by phone or email in a timely manner. He keeps all parties informed throughout the process. Extremely professional. We will continue to recommend to all our new customers!"

    Ernie and Tally F

  • "Really knowledgeable, really know their stuff. They’re very helpful in getting you through what would otherwise be a difficult and complicated process. I trust them enough that I referred my fiance (now wife) to them."

    Tom E

  • "Chris Rezk at Gateway Capital is a superb mortgage specialist. I have worked with professionals at other mortgage brokers, but Chris is by far the best that I have found. Chris is extremely responsive as a service professional. He not only always kept me well informed, but frequently offered valuable insights. Chris is also highly intelligent with a keen understanding of the mortgage business. Most importantly, he always put in an exceptional effort to make sure that I obtained the best available mortgage terms. I am pleased to give Chris my unqualified recommendation. Chris, thank you both for your hard work and the money you saved me!"

    Peter P, Attorney

  • "Hi Chris and Nicole, I just wanted to take a minute to say thank you for all your work getting our loan together. I know it got a little challenging at the end but it all worked out. Jeff and I are so happy to be in this home! We appreciate you both and everything you did to help get us here. Thanks!"

    Lindsay

  • "Well, it’s a done deal. I’m standing in my new kitchen enjoying the gorgeous view of Salt Lake. Thanks for all your good work and support during this process. I have already recommended you guys to others, including the buyer of my “old” house. I hope some of them come your way.Best wishes!"

    -S

  • "I recently was fortunate enough to obtain a refinance loan through the assistance of Charles Tadros, at Gateway Capital Mortgage. As an attorney I tend to question every aspect of a deal and trust very little. I will have to say however that Charles and Gateway Capital came through with flying colors. The transaction went very smoothly and at the end of the day everything promised was delivered. I couldn’t have asked for a better experience.Thank you,"

    Hollyn F.

  • "Hey Mike & Julie -Thanks again for all your help in getting this deal done. As first-time home buyers, your assistance & especially your patience in answering our many questions was appreciated by Jennifer & me. We will definitely recommend you if any of our friends are looking for mortgage assistance. Best,"

    Jennifer & Mark

  • "Hi, I just wanted to say thanks and tell you how easy you made the process. I will certainly recommend you and your company, and thank Nicole for me she was great. Sincerely,"

    S. Goldman

  • "I recently was fortunate enough to obtain a refinance loan through the assistance of Charles Tadros, at Gateway Capital Mortgage. As an attorney I tend to question every aspect of a deal and trust very little. I will have to say however that Charles and Gateway Capital came through with flying colors. The transaction went very smoothly and at the end of the day everything promised was delivered. I couldn’t have asked for a better experience.Sincerely,"

    Hollyn

  • "Hi Charles, Presently I’m out of town in South Africa on business and missed your call. Yes everything went well with the closing and the funds are in the bank and everything’s fine. I do want to thank you for all your help and follow up throughout the whole process and you were a big help. You were persistent in a good way and reminded me to follow up on all the necessary items. It was an easy process with your help. Thanks again."

    Mark Hanks and Dianne Schroeder

  • "Chris and Nicole, Thank you both for all the help throughout the refinance process. Especially for finding solutions and alternate choices in financing our loan. I understand yesterdays closing issues with the notary was out of your hands, so thank you both for replying to my concerns. If, and when we do need help in the future we will be contacting you for our mortgage needs. Additionally, if the occasion every came up to refer your services to family or friends we will gladly do so. I’m sure we will have a few more questions before the dust settles and everything clears in the next few weeks. Sincerely,"

    Bruce T.