The Hamilton Sterling Process
Where Tradition Meets Precision in Lending
At Hamilton Sterling, we deliver tailored funding solutions for residential investor and commercial property clients backed by 40+ years of financial expertise. Our clients work directly with seasoned Vice Presidents who provide personalized, strategic guidance from application to closing.
Fully national commercial and investor lending standards, our process is transparent, fast, and focused on results. Whether you're refinancing, purchasing, or expanding, Hamilton Sterling is the trusted partner serious investors rely on when precision matters.
Available Programs
Pre-Qualification & Discovery
STEP 1
We begin with a confidential consultation to understand your objectives, property type, and financial structure. Our experienced Vice Presidents—each trained in New Jersey and national compliance—conduct a thorough needs analysis to identify the optimal funding channel.
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Licensed guidance under NJ DOBI rules
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Verification of borrower eligibility, creditworthiness, and property classification
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Preliminary documentation review
Customized Loan Structuring
STEP 2
Whether you're an investor, developer, or homeowner, Hamilton Sterling tailors every deal to your specific financial strategy. Leveraging our national network of bank and non-bank wholesale lenders, we structure competitive term sheets.
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Residential purchases & refinances
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Commercial acquisitions, rehabs, and bridge financing
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DSCR, SBA, and portfolio-backed loans
Underwriting & Due Diligence
STEP 3
Our internal underwriting team works in coordination with lenders to ensure full regulatory compliance. All documentation is aligned with NJ mortgage banking standards and federal guidelines under RESPA, TILA, and ECOA.
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Appraisal, title , verifications
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Business-use validation for commercial properties
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Pre-closing compliance checklists and audit readiness
Closing & Capital Deployment
STEP 4
We facilitate seamless closings with full transparency, ensuring funds are disbursed on time and in accordance with both lender terms and statutory requirements.
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Licensed settlement agent or attorney coordination
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Final loan disclosures and documentation review
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Secure funding confirmation and borrower onboarding
EQUAL HOUSING LENDER DISCLOSURE
Hamilton Sterling Capital is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.