Bryan Hanley

Aurum and Sharpe was founded in 2017 by me, Bryan Hanley, and one of my best friends, Rudy Renelique. After many years working at big banks like Chase, and Wells Fargo, we decided we could bring value to a mortgage market that was starving for independent thinkers. So we started Aurum and Sharpe over a phone call about financing a multi-family deal in Brooklyn. Since starting this business we’ve been on many adventures from financing a $20 million portfolio of single families, to meeting the President of Rwanda and Finance Minister of Namibia.

Rudy has gone on to start his own firm, Overture Capital, while I’ve stayed on to grow Aurum and Sharpe. Aurum is the original Latin word for gold (that’s why the periodic table has it listed at Au). We chose it because we think of our word as “as good as Gold.” And in that vein, we want to add value to every customer we come in contact with. Our promise is that by working with us, you will increase your Freedom, Purpose, and Fulfillment.

Our process includes learning your overall objectives and where you want to go in your life so that we make sure your financing enhances your life and gets you to your destination much faster. What that means though, is that we are not like every other broker on the street that will only do a surface level amount of learning about you, your life, and your motivations. For us, that is Gold. We want to learn how we can tailor your financing so that you thrive in your life! So before we talk about rates, terms, or anything else, we are going to try and figure out how to add value through financing.

We know this approach isn’t for everyone. But if this resonates with you, lets talk: 917 475 6207

December 28, 2021

10 Things to Avoid When Refinancing Your Underlying Co-op Mortgage

Did you know that mortgage rates have hit a 50-year low? If your building board is planning to refinance your building’s underlying mortgage in 2022, there are many pitfalls to avoid.  Some people might panic when they hear the phrase “refinance underlying co-op mortgage.” However, there are many benefits to this process. In this article, we’ll explore the top 10 things to look out for as you navigate this process.  First Step to Refinance Underlying Co-op Mortgage Before we get into the full list, let’s discuss the first steps. Refinancing a mortgage is one of the most important things your board will ever undertake. The implications of a refinance will impact every shareholder in your building.  If done correctly, a refinanced mortgage will affect the monthly maintenance costs for every shareholder. The market value of each dwelling will change.  The process […]
December 28, 2021

Where to Get LLC Loans for Investment Property

New real estate investors commonly ask the internet and other investors, “can I obtain mortgage LLC loans for an investment property?” The answer to that burning question is “yes”! Obtaining an LLC mortgage loan for your investment property comes with a slew of unique benefits. If you are new to getting a loan under an LLC can be very challenging if you don’t know where to start or where to look. No need to worry; we did all of that research for you. In this comprehensive LLC loans for investment property guide, we will go over everything you need to know about getting a rental property under your LLC name and who you can reach out to for more information! Benefits of LLC Loans for Investment Property Rental property investors use an LLC to protect their assets for their investment […]
December 28, 2021

What is the maximum LTV (loan to value) for a cash out refinance on an investment property?

Refinancing refers to the process where a property owner replaces their existing mortgage with a new one, in order to either save money or capture the equity in the real estate that they own. As of the day of this writing, interest rates in general, for both purchase and refinance loans are at record lows. At the beginning of 2021, the average mortgage interest rate was a startling 2.65%, a full percentage point lower than it had been just a year before. The lowest level it has been in years. During a low interest rate environment, like the one we are currently experiencing, refinancing an investment property opens up a huge opportunity for investors to decrease their monthly operating expense and increase their net cash flow. Furthermore, pursuing a cash out refinance loan, can multiple these benefits by allowing a […]
December 27, 2021
investment real estate appraisal

Does a refinance appraisal affect property taxes?

In recent years, refinancing real estate has become an emerging strategy among real estate investors to build their real estate portfolios. Popularized by the Buy, Renovate, Rent, Refinance, and Repeat method (BRRRR), many real estate investors now purchase properties with the goal to remodel them, rent them out to generate cash flow, and then refinance the property to capture the equity they’ve created and use the cash to buy a new property and do it all over again. In this process, refinancing plays the most critical role, and when it comes to refinancing any property, lenders will usually require another appraisal. Many investors, however, erroneously assume that this second appraisal will cause their property taxes to increase. In this article we dive into detail why this is not necessarily the case. What is an Appraisal A real estate appraisal is […]
December 17, 2021

How to Cash-Out Refinance your Investment Property

Cash-out refinance for an investment property If you’re looking to buy your first, second, or thirtieth rental property, then you’re a wise investor. There’s a reason why there are over 22 million independent landlords across the US, and it’s that real estate is a great investment! However, there are some ways to truly maximize your profits, and cash-out refinancing is a great way to get the funding for it! So, let’s talk about cash-out refinance for investment property and why it is the best option for your wallet! Benefits of Refinancing You’ve probably heard of refinancing a mortgage or a car loan before. It’s a great way to save money or potentially get some extra cash to use in the short term. No matter what type of refinance investors choose, there are some common reasons why an investor would choose to refinance […]
October 31, 2019

We’ve been nominated as The Best Mortgage Company in Brooklyn…Again!

We’ve been nominated as The Best Mortgage Company in Brooklyn once again! We have been nominated for 2020, and 2021 We are very grateful to have great clients and great colleagues! Thank you again Best of Brooklyn! Mortgage Rates Calculate Your Monthly Payment
June 8, 2017

How to Get Your Loan Past the Loan Committee, and Get It Approved

Commercial mortgage lenders look at hundreds of loan applications each month. How can you make sure yours stands out? Many borrowers try to get a loan without first investigating what a lender might want to see on his application before approving the loan. These days, lenders are especially cautious because of the financial regulation environment, and of course, the elephant in the room, heavy losses from the recent recession.   What lenders look for There are three things that the the lender looks for in general when evaluating loan scenarios. The first is credit. This can also be looked at as character. How is your credit? Are all your bills paid on time? And more importantly are all your bills related to real estate paid on time? One of the easiest ways to kill a deal is to have a […]
May 19, 2017
Aurum and Sharpe developpment Afrique

Aurum and Sharpe Finances Africa

We finance infrastructure development in Africa with a focus on the Francophone, Angola, and Namibia. Contact us for more information below. Mortgage Rates Calculate Your Monthly Payment
May 19, 2017
Aurum and Sharpe finances infrastructure in French West Africa

Développement d’infrastructures Touristiques en Afrique Francophone

Développement d’infrastructures touristiques en Afrique francophone Le tourisme est un formidable levier de développement économique pour l’Afrique occidentale. C’est un secteur d’activité capable de mettre en valeur les richesses culturelles et géographiques des pays ainsi que de dynamiser les économies locales et nationales. Les apports du tourisme sont nombreux. Ils permettent de développer des pans entiers de services, notamment dans les transports, la restauration et les loisirs. L’économie du bâtiment et travaux publics est également au cœur des enjeux. En effet pour accueillir les touristes, il est bien évidemment nécessaire de développer des infrastructures immobilières, des infrastructures commerciales ou de gestion. C’est pour les pays d’Afrique occidentale, une formidable source d’enrichissement et d’emplois avec laquelle il faudra compte cette prochaine décennie. La photographie actuelle du tourisme en Afrique exprime une volonté et une forte capacité pour développer cette industrie. Les […]
May 19, 2017
Aurum and Sharpe finances infrastructure across africa

Investir Em Projetos de Infraestrutura Em Angola

Motivos para investir em projetos de infraestrutura em Angola Você já parou para pensar na enorme oportunidade de investimentos que existem por ai ao redor do mundo? Acredite, existem várias oportunidades de investimentos que realmente valem a pena. Entretanto, infelizmente, algumas dessas oportunidades não passam de ouro de tolo. Para aqueles que desconhecem a expressão, ouro de touro é o tipo de ouro que só parece ouro real mas na verdade não vale nada. Em outras palavras, o que quero dizer é que existe uma quantidade considerável de oportunidades de investimentos que não passam de ilusões. Mas não estamos aqui para falar sobre oportunidades de investimentos ruins, muito pelo contrário, estamos aqui para falar sobre oportunidades de investimento em infraestrutura que realmente trazem retornos, estamos aqui para falar sobre investir em projetos de infraestrutura em Angola. E para provar que […]