Dedicated Development and Finance Entrepreneurs

Our team of investors has completed over $1.5 billion in residential real estate acquisition and renovation projects in the Washington, DC region.

Our Story

With headquarters in the Capital Region and experienced professionals across the country, Smart Lending was founded by a group of residential development and finance entrepreneurs with over $1.5 billion in completed residential real estate development projects. We are a vertically integrated direct private lender with experience and expertise in all tiers of the residential real estate space to include valuation, development, construction, asset management, disposition, loan origination & servicing, and loss mitigation.

Partnering with Smart Lending

Smart Lending is a direct private money lender with innovative and efficient short and long term financing for developers and investors purchasing, refinancing or renovating residential and multifamily real estate. Our internal direct lending funds, allow us to be in control of the lending process and gives us the capabilities to get creative and to be smart.

Since we are also developers by trade, we know what the pain points are when it comes to acquisition, construction, resale, and other outside variables, allowing us to understand our clients at a deeper level. Our team has vast levels of experience, covering all aspects of the real estate world, giving us an advantage to navigate through obstacles. Smart Lending is the private lender of choice to a smarter real estate portfolio.

Equity Investment - Summit Fund, LLC
Preferred Return Collateralized Investment

Our Team of Experts

Our founders and principals have over 60 years of combined experience in the real estate space. We have completed over $1.5 billion in residential real estate acquisition and renovation projects in the Washington DC region.

Carlos Reyes
CEO, Partner
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Carlos Reyes is the founder and Managing Partner for Smart Lending and Carstensz Capital Partners, LLC (the Manager for Carstensz Fund I, LLC). Carlos is a real estate developer himself and has performed over $1.5 billion dollars of real estate development in the Washington, D.C. Region during the past 18 years. Carlos brings a wealth of experience and wisdom to the fund. His experience is invaluable in vetting potential transactions as he knows most developers in the area and whether or not they are trustworthy and qualified. Carlos also owns numerous real estate verticals, including construction assets which would all be helpful in mitigating a loan default.

Gregory J. Zambrella
Vice President of Sales, Partner
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Greg Zambrella has over a decade of broad real estate finance & investment experience based out of New York City. Most recently, he was in charge of operations, and originating & underwriting bridge loans, for a NYC based private equity firm. Prior to that, Greg was part of a national multifamily origination team at Guggenheim Partners, where he underwrote & facilitated CRE transactions through Fannie / Freddie / HUD programs. Greg began his career as an Asset Manager overseeing more than 140 assets and 8000 units for a leading affordable housing tax credit developer in CT. Throughout his career, he has been actively involved in the origination of over $2 Billion of CRE transactions. Greg received a B.S. from the University of Scranton and is a member of multiple real estate clubs.

Mo Noorali
EVP of Capital Markets, Partner
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Mo Noorali brings over 17 years of experience across capital markets, sales, trading and banking expertise with a focus in mortgage and other asset backed transactions in both primary and secondary markets. Mo began his career in the Structured Products Group at Bank of America, followed by a similar role at Nomura Securities, both in New York. He subsequently joined a team to build and launch a Non-Agency Mortgage sales and trading desk at GFI Group. Mo has also helped build a registered mortgage and asset backed trading broker-dealer from the ground up and understands the intricacies of operating a start-up finance operation in a regulated industry. Most recently, Mo is a Managing Director at a niche mortgage broker-dealer where he facilitates fixed income transactions ranging from Non-Agency Mortgages to Auto Loans, Student Loans, Commercial and other Asset Backed Securities with Wall Street Banks, Money Managers, Hedge Funds and other Institutional Investors. Mo graduated with a Bachelors in Business Administration with focuses in Finance and Marketing from Goizueta Business School at Emory University and currently holds series 7, 24 and 63 licenses.

Ron Briggs
Executive Vice President, Operations
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Ron Briggs is a seasoned mortgage operations executive with more than 30 years of default servicing experience with tenures at Freddie Mac, Washington Mutual, and Saxon Mortgage. He is the former COO of a large distressed real estate firm with national coverage & inventory. Ron is a licensed real estate broker in the state of Texas with GRI and CDPE designations. He has considerable experience investing in and managing fix and flips.

Thomas D. Heffernan
Chief Financial Officer
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Thomas Heffernan is a seasoned executive and entrepreneur. Thomas was the founder of an outsourced CFO and Controller services firm for nearly a decade and has personally been the outsourced CFO for mortgage banks and real estate firms. Thomas served as the CFO for Andrew Reamer's REO and loss mitigation firm for nearly four years. Thomas provides the finance, accounting, underwriting and administrative support to the team.

Andrew J. Reamer
Chief Resource Officer
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Andrew Reamer is Chief Resource Officer of Smart Lending LLC. Andrew has been in the real estate industry for nearly 20 years and was the co-founder of a $100 million per year REO and loss mitigation management firm servicing HUD and numerous other large banking institutions. Andrew brings a wealth of knowledge around loss mitigation and his experience is invaluable in helping mitigate risk while underwriting transactions. If ever necessary, Andrew’s knowledge would be critical while managing a default.

Megan Prevette, CPA
Senior Accountant
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Megan Prevette has almost 10 years of accounting experience with over five years in public accounting. During her time in public accounting, she performed various corporate audits, 401(k) audits as well as corporate, partnership and individual tax return preparation and bookkeeping services. She is a licensed CPA and is dedicated to her career. She is also a member of the Virginia Society of CPAs and is actively completing continuing education. Megan provides the accounting, auditing and additional financial controls needed to support the team.

Copyright © 2022-2022 SMART Lending, LLC. All rights reserved. Smart Lending, LLC is a subsidiary of Carstensz Capital Partners. Neither Smart Lending nor Carstensz Capital is a chartered bank or trust company, or depository institution. Neither Smart Lending nor Carstensz Capital is authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. Smart Lending makes commercial, business purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. All loans are subject to borrower underwriting and credit approval, in Smart Lending's sole and absolute discretion. Other restrictions apply. The specific facts and circumstances of each proposed loan transaction impact whether Smart Lending will be authorized to make loans in each applicable state. Smart Lending is an Equal Housing