Trinity has the strongest roster of correspondent lenders in Texas, including some of the most sophisticated sources of debt in the market. These lenders routinely invest billions of dollars in commercial mortgages annually. They offer a full range of loan structures, including floating and fixed rate debt, higher leverage mezzanine loans, bridge loans, and even some equity investments. We are also able to provide construction/permanent loans or forward commitments out to a full year.
In addition to our correspondents, Trinity also has the ability to access various Fannie Mae and Freddie Mac sources, as well as the most competitive and well managed CMBS (securitized) lenders in the market. We also have strong relationships with REITs, pension fund advisors, banks, private equity funds and non-correspondent lenders.
Our lenders offer non-recourse loans, provide flexible prepayments, and typically lend money at par. Trinity’s loan size is $1 million and up, and we have financed properties in excess of $100 million. We have the resources to finance office buildings, anchored and unanchored retail centers, regional malls, apartments, hotels, credit leased properties, industrial warehouses and service centers, self-storage facilities, mobile home parks and country clubs.
Trinity has a strong commitment to servicing the loans we originate. This commitment grows out of a conviction that both borrower and lender are best served by our continuing relationship. We consider it “service after the sale” and it is an integral part of our business philosophy and we believe contributes to the growth of the business.
Trinity began servicing loans in June of 1996 with five servicing correspondents, a $96,000,000 portfolio and a servicing staff of one. Today the portfolio approaches $1.5 billion and includes 25 correspondent relationships and four servicing professionals.
Our capital sources include life insurance companies, pension funds and advisors, CMBS originators, Fannie Mae DUS lenders, banks, credit unions, capital funds, REITs and other investors.
Trinity originates and services loans for 25 life insurance companies, all of which are well staffed to originate competitively structured mortgage loans:
Mutual of Omaha
American Family Insurance
Western & Southern Financial Group
Minnesota Life Insurance
Ohio National Financial Services
National Life Group
American Equity Investment Life Holding Company
Cuna Mutual Group
Walker & Dunlop
State Farm Insurance
Farm Bureau Insurance
Voya Investment Management
S. Kirk Oden, Principal
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An El Paso native and a graduate of Rice University, Mr. Oden joined Trinity’s corporate predecessor as an analyst immediately upon college graduation. He was a founding Principal and is a full time mortgage loan originator in the San Antonio office.
Joan L. Lovejoy, Principal
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Mrs. Lovejoy joined the firm in 1994 as a loan closer and office administrator. A native of Los Angeles, California with over 30 years of business experience, she has been a resident of Texas since 1993. Mrs. Lovejoy served as a member of the Los Angeles office of Russell Reynolds from 1982 to 1993. She is a Principal in the firm’s San Antonio office.
William R. Holshouser, Principal
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Will Holshouser, a San Antonio native, graduated from Vanderbilt University. He worked for two years in finance and control at Clear Channel Communications before joining Trinity. Will is a seasoned loan originator and a Principal in the San Antonio office.
Aaron K. Retersdorf, Associate
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Mr. Retersdorf, a native of Austin, Texas, joined Trinity Real Estate Finance’s San Antonio office in 2013 as an associate. He graduated from Trinity University with a Bachelor of Science, with honors, in Finance, International Business, and Spanish. At Trinity Mr. Retersdorf was a member of the university’s Student Managed Fund where he received the Benard Baruch Financial Analyst of the Year Award.
Alma D. Fuentes, Closing Manager
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Ms. Fuentes, a Texas native, graduated from Schreiner University with a Bachelor of Business Administration with a focus in Marketing. Ms. Fuentes joined Trinity Real Estate Finance in 2012 as Closing Manager and is responsible for the day-to day operations of the Closing Department. Ms. Fuentes has over 20 years’ experience, 12 years with James Avery Craftsman, most recently serving as Demand Sales Forecaster/System Coordinator.
Lisa P. Hinson, Loan Servicing Manager
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Mrs. Hinson joined Trinity Real Estate Finance in 2004 as Loan Servicing Specialist and is now responsible for the day-to-day management of the department. Mrs. Hinson brings over 17 years of management and business experience to the firm.
Harry F. Schwethelm, Jr., Co-founder Emeritus
A native of Kerrville, Texas and a graduate of Harvard College and the University of Texas Law School, Mr. Schwethelm has spent his entire career at Trinity Real Estate Finance, Inc. and its corporate predecessors. He left the company on May 31, 2011 after a thirty five year career in the mortgage banking business.
Derek R. Stokes, Principal
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A resident of San Antonio since 1987, Mr. Stokes is a graduate of Trinity University with a degree, with honors, in Finance and International Business. He joined Trinity Real Estate Finance after graduating from college and is a full time mortgage loan originator and Principal in the San Antonio office.
Michael A. Sela, Principal
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A Houston native, Mr. Sela is a graduate of Trinity University with a degree in Finance. He joined Trinity Real Estate Finance after graduating from college and is a full time mortgage loan originator and Principal in the firm’s Austin office.
Will C. Kiesling, Associate
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Mr. Kiesling, a native of Monterey, California, graduated from Trinity University with a degree in finance. He worked as an analyst with Frost National Bank prior to joining Trinity Real Estate Finance and is an associate in the firm’s Austin office.
Collin B. Newton, Associate
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A San Antonio native, Mr. Newton graduated from Franklin and Marshall College in Lancaster, Pennsylvania. During his time at F&M he received a Bachelor of Arts in both History and Spanish. He joined Trinity Real Estate in 2014 as a full time associate in the San Antonio office.
Steven Elder, Associate
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Mr. Elder, a native of San Antonio, joined Trinity Real Estate’s San Antonio office in 2015 as a full time associate after interning with the firm a year prior. He graduated from the College of the Holy Cross in Worcester, Massachusetts, where he was a four-year member of the varsity football team, with a Bachelor of Arts in Economics and History.
Kathleen A. Scrimpsher, Loan Servicing Specialist
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Ms. Scrimpsher, a San Antonio native, joined Trinity Real Estate Finance in 2004 as Loan Servicing Specialist. Ms. Scrimpsher brings over 30 years of business and general accounting experience to the firm.
Brenda Kudrna, Loan Servicing Specialist
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Ms. Brenda Kudrna joined the Trinity Real Estate Finance team in 2014 as a Portfolio Specialist. She brings over 30 years of business experience working as a Business Analyst with Campbell Soup Company and as an Account Manager with Direct Hit Data. A native of Detroit, Michigan, she has been a resident of Texas since 2003.
Donna Guzman, Loan Servicing Specialist
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Mrs. Donna Guzman, a San Antonio native, joined the Trinity Real Estate Finance team in 2014 as a Portfolio Specialist. She brings over 14 years experience in Administrative Education and 10 years experience in the telecommunications industry.
SAN ANTONIO OFFICE
200 Concord Plaza Drive
San Antonio, TX 78216
8310 N. Capital of Texas Highway, Building 1
Austin, TX 78731
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Trinity Real Estate Finance, Inc. is a young, dynamically growing commercial mortgage banking company based in Texas. We are constantly looking to find ambitious, intelligent and mature individuals who want to become part of our team. No prior real estate experience is required and we hire many employees directly upon graduation from college. All the personnel at Trinity are committed to teaching and mentoring as a strategy for growth.
New mortgage banking trainees at Trinity begin their careers as analysts. As a matter of policy, an analyst will spend time with every experienced producer at the company and will work on all property types and in all markets. The analyst’s job is an intellectually challenging position that includes numbers analysis, the preparation of write ups, photography, site visits, and market research. An analyst will be included in meetings, negotiations, business events, corporate entertainment and travel.
An analyst can move into production as they gain experience and develop an inclination to take on the responsibilities of loan origination. More often than not, the transition is gradual. Principals of the firm take a personal interest in each analyst’s transition.
Trinity hires individuals who demonstrate a high aptitude for the commercial mortgage banking business. Resumes may be sent to either office:
Trinity Real Estate Finance, Inc. is a member of Real Estate Finance Associates, a national affiliation of independent mortgage banking firms. Created in 1979, REFA evolved from the pioneering James W. Rouse & Company, the commercial mortgage banking affiliate of the prominent regional mall developer.
Through membership in REFA, Trinity and its personnel share information on a real time basis concerning capital markets, lenders, and can obtain real time information on markets and lending conditions throughout the country. The REFA member firms frequently assist one another when real estate owners from one market own properties in different markets further afield.
There are currently ten REFA companies or groups of companies nationally with seventeen offices in all, representing lenders in key cities across the United States.
Cincinnati, Cleveland, & Dayton, OH
Carey, Kramer, Pettit, Panichelli & Associates
Churchill Commercial Capital, Inc.
Columbia National Real Estate Finance
Baltimore, MD & Washington, DC
The Goedecke Companies
Boston, MA & Westport, CT
Keystone Mortgage Corporation
Los Angeles & Orange County, CA
Largo Real Estate Advisors, Inc.
Buffalo, NY & Toronto, Canada
Medalist Capital, Inc.
Charlotte, NC & Charleston, SC
Newmark Realty Capital
Trinity Real Estate Finance, Inc.
San Antonio & Austin, TX
Trinity Real Estate Finance, Inc. is a dynamically growing commercial mortgage banking company based in Texas. Trinity originates and services mortgage loans on all types of income producing real estate. We have financed properties from California to New York to meet our client needs, but we concentrate our efforts on the investors and developers of Texas.
We are headquartered in San Antonio, Texas and have production offices in both San Antonio and Austin. Our servicing portfolio approximates $1.2 billion in loans on properties including office buildings, apartment complexes, industrial warehouses, retail centers, hotels and self-storage facilities.
Our staff includes five full time production professionals who are backed by an exceptional team of analysts and loan closers. Our closing staff sets the standard in the industry for initiative and active management of our loan closings. Our award winning servicing group handles our growing portfolio of loans on behalf of 20 life insurance companies and other correspondents.