investments

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

September 22, 2022

Can I refinance all my properties into one loan?

Having two mortgages isn’t something new as most people would think. People frequently decide to get a second mortgage when they have enough home equity. They might use this money to settle a debt, fund a business launch, send a child to college, or make a sizable purchase. Others will use a second mortgage to remodel or build additions, like a pool, to increase the value of their home or land. But managing two mortgages can be more complicated than managing one. Fortunately, there are methods for combining or consolidating two mortgages into one. However, the consolidation procedure itself may be challenging, and the math may ultimately determine if it was unjustified. Having two mortgages is a frequent circumstance that can be made easier by consolidating them into a single loan. It could be necessary to work with a knowledgeable […]
September 20, 2022

The Definitive Guide to Refinancing Investment Properties

Refinancing loans is an important concept in the real estate business. There are many captivating advantages to refinancing rental homes. It has the potential to least open up a plethora of opportunities for accumulating wealth, such as the capacity to reduce interest rates and monthly payments, optimize loan conditions, and generate more cash flow. Many newbie real estate investors are not aware of this investment strategy, and they are losing in terms of better interest rates and cash flow. Refinancing investment property assets is a serious undertaking; hence, you will need to consider why you need to refinance. Undoubtedly, a certain amount of risk is involved with refinancing a rental property. Investors must understand the reason behind their refinancing decision and balance the potential dangers and advantages. But refinancing a rental property can be a smart choice if done well […]
September 20, 2022

How to Qualify for a Loan for an Investment Property?

When it comes to investments, there aren’t many sectors better than real estate. Real estate provides ample opportunity to make money either by holding on to property till it appreciates, quickly flipping properties for a profit, renting out a property, etc. Unlike stocks, real estate investment requires large capital. Luckily, several loans are available to help you achieve your dream of being a property owner. However, the type of loan you can access depends on several criteria, including the type of property you wish to invest in. If you’re interested in making passive income from your property, then an investment property loan is right for you. While these loans work similarly to regular mortgage loans, the requirements to get them are usually stricter. Here, we take a look at investment loans, their requirements, and how you can easily qualify for […]
September 20, 2022

What type of Loan is best for an Investment Property?

Purchasing an investment property allows you to make passive income either through rentals or by holding onto the property and flipping it when it appreciates. When looking to finance an investment property, you can access several types of loans to help offset the hygge costs associated with the process. There are various types of investment property loans with varying terms and use cases. If you’ve been wondering what the best type of investment property loan is,  you’re in luck as you’re in the right place. Here, we will take a look at the various loan options for investment properties, break down the pros and cons of each and help you decide which loan is the best for your purchase. Investment Property Loans Investment property loans are loans taken to finance the purchase, development. or renovation of an investment property. Investment […]
September 20, 2022

Banks that Refinance Investment Property

Mortgage rates are historically low, and homeowners have no better time to refinance their properties. A Freddie Mac survey from 2020 revealed that the average interest rate on fixed-rate mortgages had dropped by 50% between 2010 and 2020. Although these rates have skyrocketed in 2022, the current sub-6 % rates still represent a vast improvement from what was available in the 90s and early 00s. Refinancing your property allows you to get better terms than you did when you initially took out your mortgage. However, there are several factors you must consider before refinancing your property, especially if it is an investment property, to ensure that you are making a wise investment. One of these considerations is who to refinance with. You may refinance your property through a traditional bank or other lending institutions. Each lender has its specific benefits […]
September 20, 2022

How to Refinance an Investment Property

The benefits of refinancing to investment property owners cannot be overemphasized A mortgage refinance enables you to reduce interest rates, redefine the loan terms, and finance new investments. Overall, refinancing your investment property enables you to cut costs and improve profitability. Here, we’ll discuss investment property refinancing and the process generally. Refinancing Investment Properties In real estate, refinancing is the process of replacing an existing mortgage with a new one offering better terms to the borrower. Depending on your lender, you may have collected a loan with a high-interest rate or generally more unfavorable terms. If the rates on the market change and you want to take advantage of the better rates, you can refinance your mortgage to get a better deal. Refinancing allows the borrower to customize the terms of the new deal by; Negotiating a lower interest rate […]
September 14, 2022

How Does Real Estate Investment Compare to Investing in Stocks or Crypto

A great approach to increasing wealth and preparing for retirement is through investment. Investors can diversify their wealth and reduce risk by taking advantage of various profitable investment opportunities. The world is full of investment opportunities. Choosing the right ones for you can be difficult. The benefits and drawbacks of every investment are unique. Maybe your financial adviser tells you to invest in stocks, your best friend tells you to invest in stocks, and every social media post wants you to invest in cryptocurrency. You may be confused about the right investment because they all look like the right one with future potential. Not to worry, this article will guide you on real estate, stocks, and cryptocurrency investment and how to choose the right one that specifically suits your circumstance. What is Cryptocurrency? Cryptocurrency is a digital currency that doesn’t […]