Fiduciary Financing LLC is a national loan advisory firm co-founded by two licensed fiduciaries — Denver McClure and Jeff Nash. We help individuals, homeowners, real estate investors, and business owners identify and secure the right loan product for their specific financial situation. Unlike a traditional lender or mortgage broker, our sole obligation is to you — not to a lender, not to a commission, and not to a single product. We access 800+ lenders and 100+ loan products to match you with the best available option for your needs.

A fiduciary is a professional who is legally and ethically obligated to act in the best interest of the person they serve — ahead of their own financial interests. In the lending world, most loan officers work for a specific bank or lender and are compensated based on what they sell. Fiduciary Financing advisors have no such allegiance. We are obligated — by law and by commitment — to evaluate your complete financial picture and recommend the loan product that is genuinely right for you, even if that means pointing you in a direction that earns us less. That is the fiduciary standard, and it is the foundation of everything we do.

A traditional mortgage broker represents a limited panel of lenders and earns commission based on the loan they place. A bank loan officer can only offer that bank's products. Neither has a fiduciary obligation to act in your best interest. Fiduciary Financing is different in three important ways. First, we are licensed fiduciaries — legally obligated to put your interests first. Second, we access 800+ lenders and 100+ loan products, giving us a far broader market view than any single broker or bank. Third, we evaluate your complete financial picture — not just your loan eligibility — to ensure the product we recommend aligns with your long-term financial goals, not just the transaction in front of us.

No. Fiduciary Financing LLC is a loan advisory firm, not a lender. We do not fund loans or hold loan capital. What we do is evaluate your financial needs, identify the best loan product across our network of 800+ lenders, and connect you with the right financing solution. That said, certain Fiduciary Financing advisors are also licensed Loan Originators through Uptiq Premier Mortgage, NMLS#2362651 — meaning in eligible mortgage transactions, the same advisor who evaluated your financial goals can also originate and facilitate your mortgage directly. For all other loan types, we connect you with the most appropriate lender from our network.

Fiduciary Financing advises on a comprehensive range of loan products across four primary categories. Under Residential Loans we cover conventional mortgages, FHA loans, VA loans, DSCR and investment property loans, HELOCs and home equity products, and construction loans. Under Commercial and Business loans we cover commercial real estate, SBA 7(a) and 504 loans, business term loans, business lines of credit, and equipment financing. Under Private Lending we facilitate introductions between private borrowers and private investors for non-traditional capital needs. Under Specialty Loans we advise on debt consolidation, student loan refinancing, vehicle financing, asset-secured loans, crypto-backed loans, and unsecured personal loans.

We serve a broad range of clients across the United States including first-time homebuyers, current homeowners looking to refinance or access equity, high net worth individuals with complex financing needs, real estate investors building residential and commercial portfolios, self-employed borrowers and business owners, and entrepreneurs seeking growth capital. If you have a financing need and want unbiased guidance from a licensed fiduciary, we can help.

Our headquarters are located at 5900 S. Lake Forest Dr., Suite 300, McKinney, Texas 75070. Our loan advisory services are available to borrowers across the entire United States. Mortgage products facilitated through Uptiq Premier Mortgage, NMLS#2362651, are currently available in the following 15 states: California, Oregon, Washington, Colorado, Texas, Louisiana, Tennessee, Illinois, Michigan, Pennsylvania, New Jersey, Virginia, North Carolina, South Carolina, Georgia, and Florida. If you are located outside these states and need mortgage financing, please contact us — our advisory network extends nationally and we will connect you with appropriate licensed mortgage professionals in your state.

Yes. Fiduciary Financing LLC is a veteran-owned and operated business. Managing Partner Denver McClure is a United States Marine Corps veteran. We are proud to serve fellow veterans and military families across the country, and we bring firsthand understanding of the VA loan benefit and its strategic value in a way that most advisors simply do not.

Fiduciary Financing LLC was co-founded by Denver McClure and Jeff Nash. Denver McClure is a Marine Corps veteran, active real estate investor, Investment Advisor Representative (Series 65), Certified Blockchain and Digital Assets professional, and General Lines Agent. Jeff Nash is a Certified Financial Planner (CFP), Certified Public Accountant (CPA, Texas), Investment Advisor Representative (Series 65, 3, 7, 30 and 66), and General Lines Agent with over 20 years of experience in tax planning, financial planning, investment advising, and insurance. Together they bring a level of credentialing and fiduciary commitment to the loan advisory space that is virtually unmatched in the industry.

Our advisory consultations are completely free. There is no charge for your initial consultation, no advisory fee charged for our services, and no fee of any kind if your loan does not close. Fiduciary Financing may receive a referral fee or a portion of compensation from a referring lender entity on successfully closed transactions — this is standard practice in the loan advisory industry and does not affect the advice we provide or the options we present to you. Our fiduciary obligation to act in your best interest governs every recommendation regardless of compensation structure.

For private lending engagements, Fiduciary Financing charges a facilitation fee to the borrower upon successful loan closing. This fee compensates us for the advisory work, deal evaluation, and lender network access we provide throughout the process. There is no fee to submit a deal for consideration, no obligation at the inquiry stage, and no cost of any kind to private lenders or investors who join our network. The facilitation fee amount is discussed and agreed upon during the advisory process prior to any lender introduction.

Yes. Fiduciary Financing offers discounts for veterans, first responders, teachers, nurses, and for clients referred by existing clients or referral partners. The availability and amount of any discount depends on the loan category and applicable laws and regulations governing that specific loan type. Please contact us directly at denver@fiduciary-financing.com to inquire about discount eligibility for your specific situation.

Fiduciary Financing may receive a referral fee or a portion of lender compensation on successfully closed loan transactions. This is standard practice across the loan advisory industry. Importantly, this arrangement does not influence or alter the advice we provide. Our fiduciary obligation legally requires us to act in your best interest regardless of which lender or product generates compensation for our firm. We disclose the nature of any compensation arrangement upon request and as required by applicable law.

The first step is booking a free 30-minute consultation with one of our advisors. During that call we will learn about your financial goals, current situation, and what you need from your next loan. From there we evaluate your full financial picture, identify the most appropriate loan products, and begin the lender curation process on your behalf. There is no obligation and no cost associated with your initial consultation.

The speed of your loan process is largely determined by how quickly you can provide the documentation and information required by the lender. In our experience, most transactions move as fast as the borrower is prepared. On average, borrowers who are organized and responsive can expect a timeline of 15 to 45 days from initial consultation to closing. Certain loan types — particularly private lending and DSCR loans — can close faster due to simplified documentation requirements. Complex transactions such as commercial real estate or SBA loans may take longer depending on the lender's underwriting timeline. Business Term and LOCs may be able to close within 48 - 72 hours using expedited underwriting.

Documentation requirements vary by loan type. For residential mortgages, you will typically need government-issued identification, recent pay stubs or proof of income, two years of tax returns, bank statements, and information on any existing debts or assets. For investment property loans such as DSCR, income documentation requirements are significantly reduced — the property's rental income does the primary work. For business loans, lenders typically require business and personal tax returns, financial statements, and business bank statements. Your Fiduciary Financing advisor will provide a specific document checklist tailored to your loan type and situation at the start of the engagement.

There is no requirement for a hard or soft credit inquiry check during any consultation. A formal loan application typically involves a hard credit inquiry, which may have a minor temporary impact on your credit score. During our initial advisory process, we work to identify the right lender and product before any application is submitted — minimizing unnecessary credit pulls. When rate shopping with multiple lenders for the same loan type, credit bureaus generally treat multiple inquiries within a short window as a single inquiry for scoring purposes. Your advisor will walk you through the credit inquiry process before any application is initiated.

Yes. Fiduciary Financing advises on refinancing across all loan categories — including rate and term refinances on primary residences and investment properties, cash-out refinances to access home equity, DSCR loan refinances for investment portfolios, and business debt refinancing. If your existing loan is no longer serving your financial interests, our advisors will evaluate whether refinancing makes sense and identify the most competitive options available in the current market.

Credit score requirements vary significantly by loan type and lender. As a general guideline, residential mortgage products typically require a minimum FICO score of 600 or above, with higher scores unlocking more competitive rates and terms. Business loans may be accessible with scores of 500 or above depending on the borrower's business profile, revenue, collateral, and the specific product being sought. Some specialty and private lending products have no hard credit score minimum and are evaluated primarily on the strength of the collateral or deal structure. We strongly recommend speaking with one of our advisors to evaluate your specific situation — credit score is just one of many factors we assess in the full financial picture.

Yes. Many of our most valuable loan products are specifically designed for self-employed borrowers. DSCR loans for investment properties require no personal income documentation and qualify based on property cash flow. Bank statement loans and profit and loss loans for self-employed borrowers are available through our lender network. SBA loans accommodate self-employed business owners. Private lending can provide capital outside of traditional income documentation requirements entirely. Self-employed borrowers are a significant portion of the clients we serve, and our advisors understand the nuances of self-employed income and how to present it most effectively across different lender types.

Potentially yes, depending on the loan type, the time elapsed since the event, and your current financial profile. FHA loans, for example, allow borrowers to qualify as little as two years after a bankruptcy discharge. Private lending evaluates deals primarily on collateral and deal merit rather than credit history. DSCR loans focus on property income rather than personal credit events. Our advisors evaluate your full situation — including any past credit challenges — and identify the most viable path to financing given your current circumstances. We never decline to advise someone simply because their credit history is imperfect.

Yes. VA loan entitlement can be restored once a prior VA loan is paid off, and in some cases remaining entitlement can be used for a second property even while a prior VA loan is still outstanding. As a veteran-owned firm, Fiduciary Financing has deep expertise in VA entitlement strategy and can help you evaluate how to maximize your VA benefit across multiple transactions if applicable.

A conventional loan is not backed by the government and is evaluated primarily on the borrower's creditworthiness and income. An FHA loan is insured by the Federal Housing Administration and allows for lower credit scores and smaller down payments — making it more accessible for borrowers who do not yet qualify for conventional financing. The trade-off is that FHA loans carry mandatory mortgage insurance premiums that persist for the life of the loan in most cases, which can make them more expensive over time than a conventional loan for a well-qualified borrower. Our advisors model both options against your specific financial profile before making any recommendation.

We work with businesses of all sizes across virtually every industry — from startups seeking their first line of credit to established companies refinancing commercial real estate or acquiring competitors. Our advisors have experience advising small business owners, professional service firms, real estate developers, contractors, medical and dental practices, restaurant and hospitality operators, and technology companies. If you have a business financing need, we have access to the products and lenders to address it.

An SBA loan is a small business loan partially guaranteed by the U.S. Small Business Administration, which allows lenders to offer more favorable terms than conventional business financing. The two primary programs are the SBA 7(a), which is the most flexible and widely used, and the SBA 504, which is specifically designed for the purchase of fixed assets including owner-occupied commercial real estate. Eligibility requires that your business be for-profit, meet SBA size standards for your industry, be located in the United States, and demonstrate that financing is not reasonably available through conventional channels. Personal guarantees from all owners with 20% or more ownership are required. Our advisors will assess your eligibility and match you with SBA preferred lenders in our network.

Yes. We advise on the full range of commercial real estate financing including acquisition loans, refinancing, bridge loans, construction financing, and value-add repositioning. Property types we serve include multifamily buildings of five or more units, office, retail, industrial, mixed-use, hospitality, and self-storage assets. Commercial real estate underwriting is complex and lender selection matters enormously — our advisors evaluate your deal across multiple lender types including conventional banks, CMBS lenders, bridge lenders, and institutional debt funds to identify the most competitive capital structure for your acquisition or refinance.

Yes. Many of the loan products we advise on are available to business entities including LLCs, S-Corps, C-Corps, and partnerships. DSCR loans for investment properties are commonly structured in the name of an LLC. SBA loans require personal guarantees from majority owners but can be structured through business entities. Commercial real estate loans routinely close in the name of the ownership entity. Our advisors will evaluate your entity structure as part of the advisory process to ensure the financing is structured appropriately for your specific situation.

Private lending refers to financing provided by individual investors or private entities rather than banks or institutional lenders — typically secured by real property or business assets. Private loans are characterized by speed, flexibility, and accessibility outside conventional underwriting parameters. Fiduciary Financing maintains a curated network of private capital investors and facilitates introductions between qualified borrowers and appropriate lenders based on deal parameters, collateral, loan amount, and geography. We serve as the advisory and facilitation layer — evaluating deals, advising on structure, and connecting the right parties. A facilitation fee is charged to the borrower on successfully closed deals. There is no cost to lenders in our network.

You can submit your deal directly through our Private Lending page at fiduciary-financing.com/private-lending/submit-a-deal. Complete the borrower intake form with your deal details and our advisors will review your submission and follow up to discuss the opportunity, confirm deal parameters, and determine whether our private lender network is the right fit. There is no obligation and no cost at the submission stage.

Joining our private lender network is completely free and carries no obligation to fund any deal presented to you. You can submit your investor profile and lending criteria at fiduciary-financing.com/private-lending/join-lender-network. We will add you to our network and present qualified deal flow that matches your stated criteria for geography, asset type, loan size, and return expectations. You retain full discretion over every lending decision.

Private lending is most effective for time-sensitive acquisitions where conventional closing timelines are prohibitive, fix-and-flip and bridge financing for renovation projects, borrowers with strong assets but complex or non-traditional income profiles, land and construction deals outside institutional parameters, and borrowers transitioning to permanent financing who need bridge capital for 6 to 18 months. If your deal has strong collateral, a clear exit strategy, and a financing need that falls outside conventional lending parameters, private capital may be the right solution.

Fiduciary Financing does not provide tax advice. Our advisory services are limited to loan product evaluation and lender matching. For tax planning, tax strategy, and tax preparation — including the tax implications of financing decisions such as cash-out refinances, investment property acquisitions, and business loan structures — we recommend consulting with a qualified tax professional. Our affiliated company, Nashional Tax Planning, provides comprehensive tax planning and advisory services for individuals, real estate investors, and business owners. You can learn more at nashionaltaxplanning.com.

Fiduciary Financing does not provide investment advisory services through this platform. Our fiduciary advisory services are specific to loan product evaluation and financing decisions. For investment advice, portfolio management, and alternative investment strategies, our affiliated company Nashional Investments is a registered investment advisory firm led by Jeff Nash, CFP, CPA, and Denver McClure, Series 65. You can learn more at nashionalinvestments.com.

No. Fiduciary Financing does not provide legal advice of any kind. Nothing on this website or in any communication from our advisors constitutes legal counsel. For legal questions related to real estate transactions, business structuring, loan agreements, or any other legal matter, please consult a licensed attorney in your jurisdiction.

Fiduciary Financing does not offer insurance products directly. Both Denver McClure and Jeff Nash hold General Lines Agent licenses and insurance products are available through our affiliated company Nashional Insurance. If you have insurance needs — including life, health, property, or business insurance — please visit nashionalinsurance.com or contact us and we will connect you with the appropriate team.

Fiduciary Financing does not provide qualified intermediary services directly. However, our affiliated company Above and Below 1031 specializes in 1031 exchange facilitation and qualified intermediary services for real estate investors. If you are planning a 1031 exchange and also need financing for a replacement property, our advisors can coordinate both the lending and the exchange facilitation through our affiliated network. Learn more at abovebelow1031.com.

Fiduciary Financing is part of a broader network of complementary financial service companies founded by Denver McClure and Jeff Nash. This network allows clients to access coordinated financial services — lending, investment advising, tax planning, insurance, real estate coaching, 1031 exchanges, and property tax reduction — through a team of professionals who share the same fiduciary values and can work together on your behalf. The affiliated companies are Nashional Investments, Nashional Insurance, Nashional Tax Planning, Nashional Self-Directed 401(k), Apollo Advising, Above and Below 1031, Ownwell, and Christian Brothers Roofing. You are never required to use any affiliated company — the network exists as a resource, not a requirement.

Yes. In addition to DSCR and investment property financing through Fiduciary Financing, our affiliated company Apollo Advising provides one-on-one real estate investment coaching for new and experienced investors — covering acquisition strategy, property analysis, short-term rentals, house hacking, 1031 exchanges, and portfolio growth. Above and Below 1031 provides qualified intermediary services for tax-deferred exchanges. Nashional Tax Planning can help structure your real estate holdings for maximum tax efficiency. And Ownwell can protest and reduce your property tax assessments in Texas, Illinois, Florida, Georgia, California, Washington, and New York. Learn more at apolloadvising.com.

Yes. Our affiliated company Christian Brothers Roofing is a veteran-owned exterior home services contractor serving the Dallas-Fort Worth area since 1983. They specialize in roof replacement, gutters, siding, windows, and storm damage restoration for residential and commercial properties. If you are a DFW homeowner or real estate investor in need of exterior property improvements, you can learn more at christianbrothersroofing.com.