Welcome to Apartment and Commercial Loans, Inc.™

ACL was established in 1997 and  located in Englewood, Colorado with branch offices throughout the nation.  ACL is a Private Lender of a unique Stated Fixed Rate program that features:  No Doc, No Taxes, on 1-4 investment units, condos, multifamily 5+ units, mixed use and all types of commercial real estate.  We also have a Bridge, Construction to Permanent Loan program In-House.  Please review our Recently Closed Loans to see the variety of property types and programs we offer nationwide.

With nationwide coverage and innovative lending programs that are offered on a local, regional and nationally, we service and maintain strong relationships with our brokers, borrowers, developers and investors. Discussing your project with ACL is like speaking with hundreds of all types of lenders at one time. With 35+ years of combined commercial in-house underwriting experience, access to and knowledge of every available money source in the nation ACL can size projects quickly, objectively and put together the loan program(s) that best works for the borrower’s objectives.

Our clients say they work with us because we offer. . .

  • In-house lender that also has access to 5,000 other programs to help choose the best program.
  • On-staff, in-house Underwriters with decades of experience in closing CRE loans.
  • Higher loan closing ratio with the help of ACL Underwriting staff.
  • History of closing loans that been shopped for months, if not years!
  • 20 years of experience as a lender, lending nationally with our own in-house Underwriters that have 35+ years’ experience.

Our Areas of Expertise

  • Nationwide Loan Amounts from $100K to $50 million
  • Purchase, Refinance, Construction, Rehabilitation and Equity
  • Bridge, Mezzanine, Private Funds, Equity, Hard Money
  • Stated, No Doc 1-4 Unit NOO Investment, Multifamily and Commercial
  • Residential Blanket Loans
  • SBA 7(a), SBA 504, USDA, B & I, Rural Programs and Construction
  • Agency, CMBS, Institutional, Insurance, Portfolio, Hedge Funds and Private Lenders
  • Fannie Mae, Freddy Mac and HUD-FHA
  • In-House Underwriters with 35+ Years of Commercial Real Estate Experience.
  • History of getting loans closed that others couldn’t
  • Apartments 5+ Units, Mixed Use, Mobile Home Parks, Self- Storage
  • Owner Occupied, Single Tenant, Office Buildings, Office Condos
  • Auto Shops, Car Washes, Gas Stations, Restaurants, Franchises
  • Assisted Living Care, Day Care, Schools, Grocery Stores
  • Hotels, Motels and Resort Hotels with Time Shares
  • Industrial, Retail, Parking Lots, Special Use

Meet Ric Cavallero, our Senior Underwriter

Ric Cavallero has over 35 years of multifamily and commercial real estate underwriting experience.

Before joining Apartment and Commercial Loans, Inc. in 2011, Ric offered his knowledge and experience to a number of other professional corporations. He was an Underwriter for GE Capital, Heller Financial, Bridger Commercial Funding, Franchise Mortgage Acceptance Company, Resolution Trust Corporation, and McDonnell Douglas Finance Corporation. Ric also worked for many banks, such as Llyods, San Diego National, First Centennial, and Pacific Mercantile. Furthermore, Ric previously worked for the FDIC Receivership Asset Manager Bank as an auditor.

Ric operated on the lender side of the closing table for most of his professional career. As a result, he understands the work and commitment required to close a multifamily or commercial loan.

Consider Ric your personal, inside Underwriter in the commercial real estate (CRE) mortgage business.

Have questions or a scenario you would like to discuss? You can reach Ric at 877-754-1031, ext. 701, or by email at ric@aclfunds.com.


Harold Mason has over 35 years of executive-level experience in the banking, real estate finance, and insurance fields. He has structured various types of commercial loans totaling more than $700,000,000. Harold has been CEO of a Private Lender approved to originate and close HUD, FHA, VA, Fannie Mae, as well as Freddie Mac commercial and residential loans. He employed over 80 full-time people, operating from offices in six states while licensed to do business in 17 states. The company maintained a loan servicing and REO portfolio of over $50,000,000. His responsibilities included direct oversight of the commercial loan origination and underwriting and post-closing departments, as well as day-to-day financial and administrative aspects of the company in conjunction with the Company President and other officers.

Harold has developed criteria and guidelines for underwriting and funding non-owner occupied residential, commercial real estate along with construction, development, and asset based loans, as well as sale leaseback transactions.

For the past five plus years, Harold has been underwriting commercial loans for Apartment and Commercial Loans, Inc.

Have any questions or a scenario you’d like to speak with an underwriter about?
You can reach Harold Mason at 877-754-1031, ext. 702, or by email at harold@aclfunds.com.

Speak to an in-house Underwriter with 35+ yrs experience about your scenario. We’ll create a plan of action to get your project moving to the closing table.

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