About

Lending Experience Shaped the Platform. CDFI Certification Expanded it’s Reach.

USREC was built on the principles of sound real estate lending. Long before becoming a Certified Community Development Financial Institution (CDFI), the firm had established experience through disciplined real estate lending. The firm’s experience evaluating opportunities, structuring loans, managing collateral, and supporting borrowers continues to shape every lending decision today.

Today, that experience supports a CDFI-certified platform that helps banks and capital partners deploy capital responsibly while advancing meaningful community outcomes.

Father and child playing basketball together in a residential driveway.

Community purposed, viewed through a lender's perspective.

USREC entered community finance through real estate lending. That foundation shapes how the firm evaluates each opportunity and how it balances the intended community benefit with the fundamentals required for sound credit decisions.

CDFI certification creates a qualified channel for community-focused capital. UAREC’s lending experience brings the underwriting, practical structure, servicing, and long-term oversight needed to support that capital throughout the life of each loan.

For capital partners, the result is a platform grounded in purpose, accountability, and performance.

What guides every lending decision.

Every opportunity is different. The principles behind each lending decision are not. USREC brings together practical real estate judgment, disciplined credit analysis, an understanding of community impact, and long-term accountability.

We Understand the Full Opportunity.

Every evaluation considers the community need, intended impact, property, market, collateral, borrower capability, use of funds, repayment strategy, and long-term viability.

We Structure for Long-Term Success.

Thoughtful loan structures align the borrower’s objectives, project requirements, collateral, repayment path, and capital-partner standards. Each transaction is designed to support durable performance without losing sight of the community purpose behind the investment.

We Stay Engaged.

Disciplined lending well beyond closing. Ongoing servicing, reporting, and portfolio oversight help maintain transparency, strengthen borrower relationships, and support the long-term success of every investment.

Why capital partners choose USREC.

Qualified opportunities are only part fo a successful community investment strategy. Capital partners also need experienced judgment, consistent processes, clear reporting, and accountability throughout the lending relationship. USREC provides:

01

Real Estate Lending Experience.

Decades of evaluating properties, collateral, borrowers, repayment strategies, and real estate credit.

02

CDFI-Certified Access.

A qualified pathway for CRA-aligned and community-focused capital.

03

Disciplined Execution.

Consistent underwriting, practical loan structuring, servicing, reporting, and active portfolio oversight.

04

Direct Leadership Involvement.

Experienced decision-makers remain accessible throughout the lending relationship.

05

Community-Impact Orientation.

An evaluation process that considers the intended community benefit alongside real estate and credit fundamentals.

Leadership

USREC is led by professionals with extensive experience in real estate lending and community-focused investment. The firm’s principals remain directly involved in underwriting, transaction structuring, borrower relationships, portfolio oversight, and capital-partner engagement.

That involvement creates continuity, accountability, and access to experienced judgment throughout the lending process.

Charmaine Mark and Matthew Mark posing together against a gray studio background.

Built for lasting partnerships.

Successful lending relationships depend on trust, transparency, accessibility, and consistent execution. USREC works collaboratively with borrowers, banks, and capital partners, maintaining clear communication and active oversight from initial evaluation through repayment.

As community investment evolves, the firm remains focused on a consistent objective: applying real estate lending experience to help capital reach qualified opportunities and support meaningful outcomes in the communities served.