Director Loan Originations

John Z. Martinez

John Martinez comes to Peak Financing to leverage his expertise in multifamily finance and capital markets for investors. Most recently, Mr. Martinez worked directly with multifamily investors as a commercial mortgage broker to identify the appropriate capital solutions for their finance needs. Before working with investors directly, Mr. Martinez began his career in commercial real estate while working as a Multifamily Production Manager for Freddie Mac’s Small Balance Loan program. While at Freddie Mac, Mr. Martinez worked to help launch the Small Balance Loan program in the South Central region of the country, which included Texas, Oklahoma, Colorado, and New Mexico. During his tenure at Freddie Mac, the South Central region experienced a $1 billion of loan production during his tenure.

John Martinez’s career has been rooted in the capital markets beginning as buy-side equity analyst for a family of mutual funds. Mr. Martinez then worked for several mid-tier and boutique investment banks providing research coverage for community banks, underwriting and issuing community bank capital, advising institutional clients on investments in both public equities, as well as managing institutional investments in distressed structured products.

Mr. Martinez attended Franklin & Marshall College, where he received his B.A. with a concentration in Finance and Accounting. Outside the office, Mr. Martinez spends his time with his wife and son. He also enjoys running, cycling and fishing.

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FAQS

What are your fees?

Our fees start at $30k flat with "add-ons". This is designed in order to price our services in proportion to the work being done. Most lenders & brokers use a flat percentage, but in our opinion a larger loan does not necessarily require more work and thus a higher fee. This allows us to dynamically price based on complexity, while also starting at a lower cost than most of our competitors.

How are you adding value as a broker?

This can be a very long-winded discussion, but we'll give you our top 5 reasons.

1.Preventing the "bait & switch" of lenders quoting terms that are completely unrealistic, only to re-trade you once they have your business.

2. Preventing loan proceeds from dropping during lender due diligence, this is achieved through monitoring and understanding the lender's process.

3. Ensuring a fair rate lock often by preventing lenders from padding your spread with a "yield spread premium". This is common with multifamily correspondence lenders and is only prevented by monitoring the markets as well as having a deep understanding of the process.

4. Identifying the most suitable lender for your deal by shopping the market.

5. Avoiding hostile terms by leveraging our decades of experience.

Yes, you can "wing it" but you are better off delegating this process to your debt broker.

Can you help me find great deals?

No, sorry we are not that type of "broker".

However, we are able to provide feedback & debt quotes when you are underwriting a deal, even pre-LOI. This will give you an edge in your underwriting and provides a realistic outlook for the funding process.