Morris Ringer

Broker Relations Manager

Need a loan fast? Want more info on our lending options? Call or email our Broker Relations Manager, Morris Ringer anytime! He's ready to talk about your opportunity and find the best options for you.

About Morris

Morris Ringer has cultivated a strong foundation in both real estate and finance through diverse, hands-on industry experience. He began his professional journey at InterGlobal Construction, where he worked on large-scale development projects throughout South Jersey and the Jersey Shore. During his time there, Morris gained direct exposure to the planning and construction of multifamily properties, learning how developers assess land value, manage project timelines, and create long-term real estate growth.

Morris later expanded his skill set in the financial sector at Quarum Holdings, a firm specializing in raising capital for private and public companies. His work involved exposure to capital markets, investor relations, and the financial structures that support business expansion. This experience strengthened his ability to evaluate opportunities, understand risk, and support organizations seeking strategic funding.

Drawing from both worlds, Morris combines development knowledge with financial insight to form strong, strategic relationships with brokers. His experience enables him to speak the language of both builders and capital providers, understanding what makes a property valuable and what makes a deal financeable. Brokers rely on Morris not only for resources, but for guidance that connects project potential with long-term investment strategy.

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Whether you’re looking for capital for a Fix & Flip, Rental, or Commercial property, we have a program to meet your needs.

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Why Choose Express Capital Financing

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

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Insights & Resources

From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.

Deal Calculators

Webinars

Affiliate Partners

Insights & Resources

From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.

Affiliate Partners

Find out more

FAQ

We know how challenging it can be for landlords and commercial property owners/investors to secure funding for real estate. At this time, we only provide financing to commercial clients/investors who are LLCs and corporations for nonowner-occupied properties.

We provide funding nationwide, with the exception of the following states: Nevada, South Dakota and North Dakota

Our closing process can be as short as 7 days. After the first deal is in, we can close in 5-7 days. Our processing clock starts from the initial point of contact.

We do not provide 100 percent funding on all deals. We provide 100 percent financing for rehab expenses. For purchase contracts, we provide up to 90 percent in funding. On rehab properties, we provide financing based on the after-rehab value (ARV). Rehab borrowers can receive 75% of their property’s ARV. 

Costs that borrowers are expected to cover themselves include any over budget expenses for rehab properties, loan interest and settlement fees.

The application process is fast and simple. Ideally, we expect potential borrowers to include in their loan application a deal summary, proposed scope of work and purchase contract. 

Depending on the deal, we may also ask for property comparisons. We’ll review your application and contact you right away to discuss your investment opportunity and inform you about lending requirements and borrower expectations.

We do not require any money from you upfront. Appraisals are required for all approved applications. You do not pay any fees until you receive our terms and conditions sheet regarding your deal.

We know that real estate deals are time-sensitive matters. We encourage you to complete the prequalification process to know exactly where you stand with us. Our loan experts do not believe in wasting your time or giving you the runaround. 

Once you complete the prequalification/preapproval process, you’ll hear back from us within 24 hours. Our loan professionals speak to and meet with all borrowers before closing.

If you have a question that is not answered here or on our full FAQ page, or you are ready to apply to get the funds you need right away, contact us at Express Capital Financing to let us know. We’ll be more than happy to address your concerns, and clear up any confusion you may have and get your funding underway.