I'm Gady Gabrielzadeh, Partner and Senior Mortgage Banker at Lendwise Mortgage, NMLS #357323 — and as the company's CFO, the numbers side of lending is literally my job. Since 2002, I've helped homebuyers, business owners, real estate investors, and developers secure financing for everything from first homes to luxury properties, multifamily and apartment buildings, and investment portfolios — hundreds of millions of dollars in funded residential and investment property loans over 24 years.
My clients don't hire me to simply find a loan. They hire me to develop the right financing strategy. A mortgage is usually the largest debt instrument in a person's life, and how it's structured — the documentation path, the amortization, the reserves, how this property fits the next purchase — matters for years after closing. I look at every file the way a CFO looks at a balance sheet: what does this financing need to accomplish, and what structure gets there at the best terms?
I work across the full range of programs: conventional, FHA, and VA loans, jumbo financing, and cash-out refinances. For self-employed borrowers and investors whose tax returns don't tell the whole story, I place bank statement loans, DSCR loans that qualify on a property's rental income rather than personal income, and other Non-QM and alternative documentation programs. These files aren't harder — they just require thoughtful analysis, logical underwriting, and strategic loan structuring instead of a one-size-fits-all checklist.
Where I go deepest is with real estate investors and developers: multifamily and apartment financing, construction and bridge loans, and the portfolio-building strategies that turn one property into several. If you're growing a rental portfolio or taking a project from lot to lease-up, you want a lender who understands the whole timeline, not just one transaction in it.
One closing I'll never forget: a young couple declined by multiple banks while trying to buy their first home. Their income wasn't the problem — it had been misunderstood, never evaluated in the full context of their financial picture. We reviewed everything, applied logical underwriting, structured the loan correctly, and closed in three weeks. When they got the keys, they were in tears. Every file is different and no outcome is guaranteed until underwriting is complete, but that day is why I do this: it was never about financing a house. It was about a family reaching a dream they'd been told was out of reach.
Through Lendwise Mortgage, I'm proud to serve borrowers throughout California, Colorado, Florida, Georgia, Michigan, North Carolina, Ohio, and Tennessee. My career is rooted in California, where most of my clients — and the agents, builders, and financial professionals who refer them — are based. California real estate is its own discipline — high balances, county-by-county loan limits, and competition that punishes slow financing — and 24 years here means very little surprises me.
When I'm not working, my greatest joy is spending time with my family. Helping other families achieve homeownership and build long-term wealth through real estate isn't just my career — it's a responsibility and a privilege I truly value.
