Virginia, Maryland & Metro DC
Financing the Future of Commercial Real Estate in the DMV
Lovelace Mortgage Solutions connects investors, developers, and business owners with the right commercial financing — backed by 28+ years of local market expertise and 50+ lender relationships.
Programs Built for Every Deal
From SBA loans to hard money, we structure financing across the full commercial real estate capital stack.
SBA 7(a) & 504
Government-backed financing for owner-occupied commercial real estate and business acquisitions. Ideal for small businesses seeking long-term, fixed-rate capital.
- Up to $5M (7a) / $5.5M (504)
- Terms up to 25 years
- As low as 10% down
No Income Documentation
Fast, flexible financing and common sense underwriting for small balance investment properties, mixed use, and commercial.
- Loans up to $5M
- Commercial & Residential
- Up to 75% LTV
- 30-Year Fixed Loans Available
Bridge Loans
Short-term financing to bridge the gap between acquisition and permanent financing. Fast closings for time-sensitive opportunities.
- $1M – $50M+
- 6 – 36 month terms
- Close in 2–4 weeks
Construction Loans
Ground-up and renovation financing for developers and investors. Structured draws aligned with project milestones.
- Up to 75% LTC
- Interest-only during construction
- Mini-perm options available
Multifamily
Programs for apartment communities offering best-in-class rates for qualifying multifamily assets.
- 5+ unit properties
- Competitive rates
- Non-recourse available
Hard Money
Asset-based lending for investors who need speed and flexibility. Credit-light underwriting focused on property value and equity.
- Up to 70% LTV
- Close in 10 - 15 days
- Commercial & Residential
A Clear Path to Closing
Six deliberate steps — from first conversation to funded deal. No surprises, no hand-offs.
Initial Consultation
We learn your goals, timeline, and property details to understand the full picture.
Financial Analysis
We analyze your financials, property performance, and deal structure to identify the optimal path.
Lender Matching
We match your deal to the right lenders from our network of 50+ capital sources.
Term Sheet
We present competitive term sheets and negotiate on your behalf to secure the best terms.
Due Diligence
We manage the process — appraisals, environmental, title — keeping your deal on track.
Closing
We coordinate with all parties to ensure a smooth, on-time closing.
Initial Consultation
We learn your goals, timeline, and property details to understand the full picture.
Financial Analysis
We analyze your financials, property performance, and deal structure to identify the optimal path.
Lender Matching
We match your deal to the right lenders from our network of 50+ capital sources.
Term Sheet
We present competitive term sheets and negotiate on your behalf to secure the best terms.
Due Diligence
We manage the process — appraisals, environmental, title — keeping your deal on track.
Closing
We coordinate with all parties to ensure a smooth, on-time closing.
The Broker Who Knows This Market
In the DC Metro, relationships and local knowledge close deals. We've spent almost three decades building both — so your deal gets the attention, speed, and expertise it deserves.
Lynnwood "Winnie" Lovelace
Principal Broker, LMS
28+ Years in Commercial Finance & Residential Funding
"We don't just find you a loan. We find you the right loan — from the right lender, at the right time."
Local DC Metro Expertise
Deep knowledge of Virginia, Maryland and Metro DC submarkets — from Leesburg, Virginia, to Landover, Maryland, from Georgetown & the Navy Yard to Alexandria, Woodbridge, and everywhere in between. We know the lenders who know this market.
Access to 50+ Lenders
Banks, credit unions, life companies, CMBS conduits, debt funds, and private lenders. We find the right capital for your deal.
Speed to Close
We move at the pace of your deal. Our streamlined process and lender relationships mean faster approvals and fewer surprises.
Ready to Fund Your Next Deal?
Tell us about your project and we'll identify the best financing options from our network of 50+ lenders.
Start the Conversation