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James Ludlow's Decorated Resume

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Founder & CEO

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Dates

Feb 2000 – Present

Duration

24 yrs 8 mos

  • James established and fostered relationships with investors and secondary markets, selling $150-$175mm in spreads per month, focusing on Jumbo to Super Jumbo loans for high-net-worth individuals' residential and commercial lending needs.

  • He grew the company from $15mm to $150mm per month through excellent communication skills and expert knowledge of secondary market underwriting guidelines.

  • James implemented and supervised investor underwriting guidelines for real estate loan processing and origination.

  • He directed quality control procedures for all originations and enforced federal and state regulatory compliance, including Predatory Lending practices and RESPA (Part 41 & Section 32).

  • He initiated and supervised warehouse relationships, ensuring compliance with guidelines.

  • James oversaw day-to-day operations, including the supervision of key personnel and the settlement of spreads.

  • He implemented funding and closing procedures for all approved loans in the secondary markets.

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

CEO

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Dates

Feb 1994 – Dec 2000

Duration

6 yrs 11 mos

  • James managed offices in NY, NJ, PA, CT, MA, IN, MD, GA, NC, SC, CA, and UT.

  • He fostered investor and secondary market relationships, selling $150-$275mm in spreads per month, specializing in Jumbo to Super Jumbo loans for high-net-worth clients.

  • He expanded the company from $5mm to $50mm per month by leveraging communication and underwriting expertise.

  • James implemented investor underwriting guidelines, quality control procedures, and federal compliance practices (Predatory Lending, RESPA).

  • He trained and supervised personnel, ensuring smooth day-to-day operations.

  • James directed funding and closing procedures in the secondary markets.

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Executive Director

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

United Mortgage Guarantee

Dates

Feb 2000 – Present

Duration

21 yrs 8 mos

  • James supervised and originated debt, equity, and mezzanine loans.

  • He underwrote and oversaw the origination of commercial loans for private equity funds, hedge funds, and private lenders, focusing on various commercial properties, including hotels, office buildings, and assisted living facilities.

  • James participated in credit committee loan approvals and ensured reps and warranties on all loans originated and sold.

  • He managed a $500 million loan portfolio, overseeing origination, compliance, and secondary market sales, while ensuring reinvestment for consistent growth.

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Principal

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Interstate Resource LLC

Dates

Mar 1997 – 2000

Duration

24 yrs 7 mos

  • James developed investor and secondary market relationships, selling $50-$75mm in spreads per month, specializing in Jumbo to Super Jumbo loans for high-net-worth individuals.

  • He expanded company operations from $5mm to $50mm per month through excellent communication and underwriting skills.

  • James implemented underwriting guidelines, quality control procedures, and federal compliance practices.

  • He supervised day-to-day operations, trained key personnel, and oversaw funding and closing procedures for all approved loans.

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Executive Vice President

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

United Mortgage Guarantee

Dates

1992 – 1997

Duration

5 yrs

  • James managed his own Net Branch, training and supervising staff in processing, wiring, and quality control for originations and secondary market operations.

  • He implemented funding and closing procedures for all approved loans sold in the secondary markets.

  • James coordinated and prepared sales findings for secondary market investors.

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Sales Manager

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Continental Mortgage Bankers

Dates

Feb 1990 – Dec 1992

Duration

2 yrs 11 mos

  • James succeeded the former regional sales manager, overseeing operations in the lower Hudson Valley.

  • He managed the branch, directing marketing efforts and business operations, including organizing and scheduling loan closings.

Framed Cornell University certificate awarded to James A. Ludlow for completing the Hotel Real Estate Investments
"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Experience

"Great knowledge of working among individuals who expect paramount results with extraordinary  leaders, committed team player, a treasured leader, and a valued member with my colleagues. My  experience with difficult challenges and heavy demands perfected at ease makes me a great  candidate for any position. I would be delighted to contribute my talents and experience to the  future of a reputable company."

"Blue gradient background representing stability and trust in commercial real estate financing by E-Net Capital LLC."

Satisfied Customers

See What Our Clients
Say About Us

Bob Jeter

"Has the sources to fund your next project including Start-ups! "

Dan Ollman

"Jim is a knowledgeable professional and utilizes innovative strategies. He can help clients arrange even the most complicated debt transactions. He can help you too. Give him a call, you’ll be glad you did."

"Jim and E-Net Capital are top tier! They are focused on giving the solution."

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