Highland Financial, Inc. was founded in Los Angeles in 2003 by Douglas M. Harbaugh to engage in the loan sale advisory and mortgage banking businesses with an investment banking and capital markets approach. Mr. Harbaugh has over 25 years of experience in the real estate financial services industry and spent eight years as an executive of two loan sale advisory firms. He has handled over $1.3 billion in commercial loan sales on behalf of a variety of clients and $150 million in commercial mortgage placements.
Highland Financial provides its loan sale advisory clients with reasoned and insightful advice with respect to loan valuation and appropriate offering structures and executes secondary market sales. The firm maintains relationships with qualified purchasers of performing, sub-performing and non-performing loans nationwide. The investment banking and capital markets approach, employing sophisticated analytic tools, thorough loan and collateral underwriting and a broad marketing focus, has been proven to add value in secondary market transactions by delivering maximum proceeds while minimizing closing risk and seller post-closing exposures.
On behalf of its mortgage banking clients, Highland Financial arranges bridge and permanent financing of major commercial and multifamily properties. The firm maintains relationships with a wide variety of financing sources, including life insurance companies, banks, thrifts, Freddie Mac, Fannie Mae, specialty finance companies and real estate investment trusts. Throughout the loan origination process, Highland Financial adds value through employing its collateral and collateral market knowledge, capital markets sophistication and commitment to highly competitive offerings to assist clients in obtaining the financing that best suits their individual objectives.
Highland Financial offers each of its clients:
- Extensive experience and a proven track record
- Sophisticated analysis and careful and insightful credit, collateral and loan underwriting
- Sensitivity to the impacts of real estate and capital market conditions on loan terms and value
- Broad contacts among secondary market loan investors and financing sources
- Commitment to adding value in any transaction
- Dedication to developing long-term relationships
- Determination to tailor its actions to each client’s individual circumstances and objectives and to deliver unparalleled results
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