Specialized Lending.
Exceptional Execution.
RealFin Capital provides direct, first-lien financing for U.S. homebuilders and lot developers acquiring and developing residential subdivisions. Artisanal approach to underwriting. Decisions made by principals.
“We built RealFin to fill the gap between institutional capital and hard money lending — institutional capital, with an operator’s understanding of how subdivisions actually get built.”
— Dana Gompers, Co-Founder & Managing Partner
Why Developers Choose RealFin
Execution. Reliability. Relationship.
Three principles that shape every loan we make.
Execution
Decisions made by principals — not by a committee three states away. When we say yes, we close.
Reliability
First-lien only. Conservative loan-to-value. Permanent capital that doesn’t disappear when markets tighten.
Relationship
Long-term programs with sponsors we trust. Most of our volume is repeat business — we scale with you as your pipeline grows.
Speak with our team.
Whether you’re an accredited investor seeking yield or a developer in need of capital, we would welcome a conversation.
Experience You Can Lend On.
RealFin Capital was founded to bring institutional-grade underwriting and servicing to the private real estate credit market. Our leadership spans decades of experience in national mortgage origination, commercial real estate finance, and alternative asset management.
Our Story
A track record built over three decades
Our founders co-founded and led one of the country’s largest independent mortgage lenders, growing it into a top-30 national platform operating across 48 states. That experience in scaling origination, risk, and servicing infrastructure is the foundation on which RealFin Capital was built.
Today, we apply that discipline to an alternative credit strategy: originating and servicing first-lien loans on residential lot developments and commercial real estate. Every loan we originate, we underwrite, service, and manage in-house — from origination through payoff.
We invest alongside our investors. The fund was seeded with significant capital from our principals that still resides in RealFin Fund I today — alignment that drives every credit decision we make.
Our Approach
Conservative Underwriting
Every loan is underwritten to protect principal through a full cycle — not just the next refinance.
First-Lien Security
100% of our portfolio sits in first-lien position with a direct claim on real property. No mezzanine, no second-lien, no unsecured exposure.
In-House Servicing
Origination, underwriting, servicing, and asset recovery — all managed by our team. We handle delinquencies directly to protect investor capital.
Leadership
Decades of real estate finance leadership
30+ years in real estate finance. Co-founder of Envoy Mortgage, scaling it into a top-30 national lender. BBA in Finance, Colorado State University.
Real estate finance entrepreneur. Co-founded Envoy Mortgage, operating across 48 states with 1,500+ employees. BBA, Texas Tech University.
30+ years of leadership in real estate finance. Certified Mortgage Banker and licensed real estate broker. BBA, University of Texas at Austin.
25 years in Homebuilder Finance with senior roles at banks supporting top homebuilders and developers. BBA, Texas A&M; MBA, University of Houston – Victoria.
30+ years in business development and client relationships, including leading solutions engineering for Fortune Global 100 clients. BBA, Stephen F. Austin University.
Former financial advisor at ExxonMobil, reporting on multi-billion dollar profit streams. CPA. BBA and Masters of Accountancy, Baylor University.
RealFin Fund I
— Steady Returns. Protected Capital.
An open-ended private credit vehicle delivering monthly interest income from a diversified portfolio of first-lien, real estate-backed loans.
Contact Us
Receive the current investor deck, PPM, and most recent fact sheet.
Precision lending for every stage of development.
We finance experienced sponsors acquiring and developing subdivision lots. Direct access to decision-makers, certainty of execution, and relationships that scale with you.
Our Lending Platform
Two complementary credit strategies.
Homebuilder & Lot Development Finance
~3-year first-lien financing for experienced U.S. homebuilders and lot developers through the subdivision lifecycle — acquisition, entitlement, and lot improvements.
- ~3-year terms sized to the development cycle — acquisition, entitlement, and improvements
- Non-recourse structures available for qualified sponsors
- Selective growth markets with durable housing demand
Senior Bridge Lending on Commercial Real Estate
Short-duration, first-lien bridge financing on completed residential and commercial assets — typically supporting sponsors during transition, lease-up, or repositioning.
- Short-duration, first-lien with conservative loan-to-value
- Completed and capable collateral — not speculative renovation
- Programmatic relationships with experienced sponsors
Why Sponsors Work With Us
Institutional capital. Operator mindset.
Certainty of Execution
Decisions are made by principals with decades of combined real estate finance experience — not by a committee three states away. When we say yes, we close.
Relationship-Based
We build long-term programs with sponsors we trust. Most of our volume is repeat business, and we scale with you as your pipeline grows.
Flexible Structures
First-lien, short-term bridge and lot development loans. Where appropriate, non-recourse structures that protect your personal balance sheet.
In-House Through Payoff
We originate, underwrite, and service in-house. You work with the same team from term sheet through payoff — no surprises, no handoffs.
What We Look For
Disciplined criteria, applied consistently
Let’s talk about your project.
Reach out directly to our Homebuilder Finance team. We’ll respond within one business day.
Let’s start a conversation.
Direct access to our partners. For investor inquiries, lending discussions, or general questions, please reach out using the contact details below.
Dana Gompers
Jim Hopkins
Lot Development
Commercial Real Estate
RealFin Capital, LLC
5005 Riverway Dr, Suite 311
Houston, TX 77056
General inquiries: info@realfincapital.com
Important Disclosure
RealFin Fund I, LLC is a private investment vehicle offered solely to accredited investors pursuant to a Private Placement Memorandum. This website does not constitute an offer to sell or a solicitation of an offer to purchase any security. Past performance is not indicative of future results. An investment in the Fund involves risk, including the potential loss of principal. Prospective investors should carefully review all offering documents and consult their legal, financial, and tax advisors prior to investing.