By Jennifer Cabrera | Founder, New Century Mortgages LLC | Clear to Close with Jennifer Cabrera The dirty secret of private lending? Most hard money term sheets aren’t worth the paper they’re printed on. You’ve seen it before. A borrower gets excited about a term sheet, only to watch the
What Every Borrower and Broker Needs to Know About How Rates Really Work By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Mortgages LLC The Fed just cut rates. So why did your mortgage rate go UP? If you’ve been waiting for the Federal Reserve to lower rates
Understanding Mortgage Lending Channels Direct Lending, Correspondent Lending, Table Funding, and White Label Solutions By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Mortgages LLC When you’re shopping for a mortgage or considering becoming a mortgage broker, understanding how loans actually get funded can make a significant difference
How Current Rate Drops Are Creating Opportunities in Non-Conforming Commercial Real Estate Loans The Federal Reserve has been on a rate-cutting trajectory, bringing the federal funds rate down to a range of 3.50% to 3.75% after three consecutive cuts to close out 2025. For commercial real estate investors and business
First-Time Commercial Buyer? Here’s What to Expect Buying your first commercial property is exciting—and a little intimidating. The process works differently than residential real estate, and knowing what to expect will help you navigate it with confidence. Longer Timelines Commercial transactions take longer than residential deals. While a home purchase
5 Documents You Need Before Applying for a Commercial Loan Nothing slows down a commercial loan more than missing paperwork. I’ve seen deals stall for weeks because borrowers weren’t prepared with the basics. Here’s how to get ahead of the game 1. Personal Financial Statement (PFS) Lenders want to know
From the energy capital of the world to the sun-soaked shores of South Florida, Jennifer Cabrera has built a career that most loan originators can only dream of. A Houston native now calling Miami home, Jennifer has spent over 30 years mastering the art and science of commercial mortgage lending.
Her journey began at Novastar Financial, where she didn’t just learn the ropes—she dominated them. Year after year, Jennifer ranked among the company’s top three loan originators, a testament to her relentless work ethic and natural ability to connect with clients.
Today, Jennifer serves as CEO of Atlantic Union Inc., where she and her team excel in providing commercial private lending solutions tailored for high-net-worth clients, both consumers and investors. With over five years at the helm, she has honed a niche in wholesale lending, offering unsecured business operating capital to empower her clientele. It’s the kind of specialized expertise that only comes from decades of navigating the complexities of commercial finance.
In tandem with her role at Atlantic Union, Jennifer has launched NewCenturyMortgages (NCM)—an AI-powered lending platform where commercial real estate and technology collide. Purpose-built for serious investors, NCM was born from a simple idea: investors shouldn’t have to jump through hoops to get funded, and brokers shouldn’t have to wait months to see a commission check. Powered by AI and built for speed, NCM specializes in DSCR loans, portfolio financing, commercial real estate, and asset-based lending. Forget the paperwork. No income verification.
Armed with an MBA in Finance and Wealth Management from Purdue University and lending licenses in both California and Florida, Jennifer brings a rare combination of academic rigor and real-world expertise to every transaction. Whether structuring complex deals for seasoned investors or providing the capital that helps businesses grow, her clients know they’re in capable hands.
But Jennifer’s impact extends far beyond the closing table. As an active volunteer with the Junior League of Miami, she’s deeply committed to giving back to the community that has embraced her. And when she’s not leading Atlantic Union or serving her community, you’ll likely find her exploring a new corner of the world—because after three decades of hard work, she’s earned every stamp in that passport.
Philip Strunk is a native of Houston, TX. Philip earned his Bachelor of Business Administration and Masters in Professional Accounting from the University of Texas at Austin’s McCombs School of Business. He earned his designation as Certified Public Accountant (CPA) in 2004 and CERTIFIED FINANCIAL PLANNER (TM) certification in 2010. Having started his career with Deloitte & Touche, LLP in 2005, Philip spent a year and a half in Deloitte’s Audit and Assurance Services group and provided a variety of financial services for a number of Fortune 500 companies. He decided in late 2006 that his talent and passion for investments were best suited for working with smaller groups and individuals. After obtaining the required securities registrations and insurance licenses, Philip became a financial advisor. The impact was plainly visible and more fulfilling. Philip serves as the Investment Director for MPACT.
