Dedicated Development and Finance Entrepreneurs

Carlos Reyes is the founder and Managing Partner for Smart Lending and Carstensz Capital Partners, LLC (the Manager for Carstensz Fund I, LLC). Carlos is a real estate developer himself and has performed over $1.5 billion dollars of real estate development in the Washington, D.C. Region during the past 18 years. Carlos brings a wealth of experience and wisdom to the fund. His experience is invaluable in vetting potential transactions as he knows most developers in the area and whether or not they are trustworthy and qualified. Carlos also owns numerous real estate verticals, including construction assets which would all be helpful in mitigating a loan default.

Greg Zambrella has over a decade of broad real estate finance & investment experience based out of New York City. Most recently, he was in charge of operations, and originating & underwriting bridge loans, for a NYC based private equity firm. Prior to that, Greg was part of a national multifamily origination team at Guggenheim Partners, where he underwrote & facilitated CRE transactions through Fannie / Freddie / HUD programs. Greg began his career as an Asset Manager overseeing more than 140 assets and 8000 units for a leading affordable housing tax credit developer in CT. Throughout his career, he has been actively involved in the origination of over $2 Billion of CRE transactions. Greg received a B.S. from the University of Scranton and is a member of multiple real estate clubs.

Mo Noorali brings over 17 years of experience across capital markets, sales, trading and banking expertise with a focus in mortgage and other asset backed transactions in both primary and secondary markets. Mo began his career in the Structured Products Group at Bank of America, followed by a similar role at Nomura Securities, both in New York. He subsequently joined a team to build and launch a Non-Agency Mortgage sales and trading desk at GFI Group. Mo has also helped build a registered mortgage and asset backed trading broker-dealer from the ground up and understands the intricacies of operating a start-up finance operation in a regulated industry. Most recently, Mo is a Managing Director at a niche mortgage broker-dealer where he facilitates fixed income transactions ranging from Non-Agency Mortgages to Auto Loans, Student Loans, Commercial and other Asset Backed Securities with Wall Street Banks, Money Managers, Hedge Funds and other Institutional Investors. Mo graduated with a Bachelors in Business Administration with focuses in Finance and Marketing from Goizueta Business School at Emory University and currently holds series 7, 24 and 63 licenses.

Ron Briggs is a seasoned mortgage operations executive with more than 30 years of default servicing experience with tenures at Freddie Mac, Washington Mutual, and Saxon Mortgage. He is the former COO of a large distressed real estate firm with national coverage & inventory. Ron is a licensed real estate broker in the state of Texas with GRI and CDPE designations. He has considerable experience investing in and managing fix and flips.

Thomas Heffernan is a seasoned executive and entrepreneur. Thomas was the founder of an outsourced CFO and Controller services firm for nearly a decade and has personally been the outsourced CFO for mortgage banks and real estate firms. Thomas served as the CFO for Andrew Reamer's REO and loss mitigation firm for nearly four years. Thomas provides the finance, accounting, underwriting and administrative support to the team.

Andrew Reamer is Chief Resource Officer of Smart Lending LLC. Andrew has been in the real estate industry for nearly 20 years and was the co-founder of a $100 million per year REO and loss mitigation management firm servicing HUD and numerous other large banking institutions. Andrew brings a wealth of knowledge around loss mitigation and his experience is invaluable in helping mitigate risk while underwriting transactions. If ever necessary, Andrew’s knowledge would be critical while managing a default.

Megan Prevette has almost 10 years of accounting experience with over five years in public accounting. During her time in public accounting, she performed various corporate audits, 401(k) audits as well as corporate, partnership and individual tax return preparation and bookkeeping services. She is a licensed CPA and is dedicated to her career. She is also a member of the Virginia Society of CPAs and is actively completing continuing education. Megan provides the accounting, auditing and additional financial controls needed to support the team.