Agent Resource · Scenario Support · Financing Strategy

A partner for the deals
that need more strategy.

I work alongside agents as a full-service lending partner — conventional, FHA, VA, and everything in between. What makes the partnership different is what happens when the file gets complicated. Bridge, DSCR, bank statement, reverse 1031, Non-QM, renovation, timing issues — instead of scrambling for a specialist or losing the deal, you already have one. One lending partner. One relationship. Every file.

The right lending partner gives you clear guidance upfront, deep product expertise when the file gets complicated, and steady follow-through with communication you never have to chase.

Call or Text Keith Schedule a Partner Call
25+Years in Real Estate
20Years in Mortgage Lending
Top ProducerCiti, Chase & Complex Lending
One Point of ContactDirect Communication, Fast Feedback
Why Agents Keep Me Close

The best partnerships feel aligned, steady, and easy to trust.

Bring me the scenario, keep the client relationship, and let me help make the financing side clearer. The goal is to support your client experience, strengthen your positioning, and help more deals reach the finish line.

Your client, your relationship

You stay at the center of the client relationship. I step in as the financing and structuring partner so the experience feels coordinated and well supported.

I solve complexity early

I like scenarios that do not fit neatly in the box. The earlier we frame the problem, the more leverage we usually have.

I communicate cleanly

Clear expectations, fast feedback, direct answers, and fewer surprises. That is how you protect trust with your client.

I care about the close

The point is not to impress anyone with jargon. The point is to get the client from uncertainty to an executable plan.

Best Times to Bring Me In

When the file gets interesting, that is usually where I am most useful.

These are the kinds of situations where a more strategic lending partner can make the biggest difference.

Borrower-side triggers

  • Self-employed borrower with harder-to-read income
  • Bank statement or Non-QM scenario
  • Investor using DSCR or mixed strategy
  • Buyer needs bridge to move first and sell after
  • Client needs stronger offer positioning

Deal-side triggers

  • Timing pressure or sequencing issues
  • Reverse 1031 or investor move-up complexity
  • Renovation or property-condition friction
  • Small multifamily acquisition or refinance
  • File feels closeable, but not in the obvious lane
Conventional
FHA
VA
Bridge
DSCR
Bank Statement
Reverse 1031
Renovation
Small Multifamily
Client Retention
How the Partnership Works

You stay in the relationship. I help structure the path.

The operating model should feel simple, coordinated, and reassuring to both you and your client.

01

You bring the scenario

Send me the rough shape of the deal, the timeline, and what feels sticky. We do not need perfection to start.

02

I pre-underwrite the angle

I pressure-test the structure, spot friction early, and map the lending and deal-path options worth considering.

03

We align on the play

You stay in the relationship. I help frame the path in a way that supports your credibility and keeps the client experience cohesive.

04

We move to close

Communication stays direct, expectations stay cleaner, and the file gets handled with urgency and follow-through.

Why This Feels Different

A steadier, more integrated partner experience.

The value is not just access to loan options. It is how the scenario is framed, how the client is guided, and how the moving parts stay aligned across the relationship.

What tends to create friction

Slow answers, thin scenario thinking, a different person every week, and a client experience that leaves too much cleanup work late in the process.

What I am aiming for

Fast reality-checks, cleaner framing up front, one point of contact, clear communication, and a process that helps the whole relationship feel calm and prepared.

Who You're Working With

Keith Padalecki

Keith Padalecki - Real Estate and Mortgage Broker

Keith Padalecki brings 25+ years in real estate and 20 years in mortgage lending across origination, underwriting, wholesale account management, and consulting. He was ranked #1 nationally out of 450 loan originators at Citi, selected as a Chase Private Client Mortgage Banker (Top 3 in market), and most recently served as a Wholesale Account Executive at LendSure Mortgage Corp. specializing in Non-QM — meaning he's sat on both sides of the table and knows what it takes to get a file from scenario to funded.

His background also includes leading a 25-person underwriting team processing ~3,750 SBA loans per week during COVID-19, and founding a Spanish-language real estate publication distributed across 1,000+ locations. Today he operates as a dual-licensed real estate broker and mortgage loan originator under People's Choice Mortgage Group, focused on complex lending, investor strategy, and agent partnerships across California — and with investor-focused agents nationwide through business purpose lending.

Good Fit Partners

The agents I can help most

Residential agents

Especially when you run into self-employed, move-up, or timing-sensitive buyers and sellers.

Investor-facing agents

For clients buying rentals, refinancing, using DSCR, or comparing acquisition and bridge options.

Relationship-first partners

If protecting trust, communication quality, and repeat business matters to you, we will likely work well together.

Co-branded application flow can be set up privately for active partners when it makes sense.
Partner Call

Let's structure the next one.

If you have a borrower, investor, or move-up client that does not fit the easy lane, send the scenario over. We can sort the angle before the file gets messy.

Call or Text 619-567-9073 Email the Scenario Schedule a Call
Phone619-567-9073
Emailkeith@keithpadalecki.com
Main Sitekeithpadalecki.com
Get Started

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Use the link below to start an application for your client, or visit my main site for more information.

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