Loan 1389: Amber’s Journey with Nadlan Capital Group

Borrower: Amber
Operator: Rokaya
Loan Type: Purchase Loan (Auction)
Status: In Progress – Awaiting Embassy Appointment for Final Documentation

Background:

Amber approached Nadlan Capital Group through her operator, Rokaya, with the goal of purchasing a U.S. investment property. The loan request was submitted to our auction platform on August 8, 2025. Through this platform, multiple lenders competed to offer the most favorable terms for Reut’s purchase.

Process:

Auction Launch
Reut was onboarded into Nadlan’s Premium Auction process, which allows borrowers to receive competitive bids from lenders. The auction kicked off on August 8, with lenders expected to submit offers by the following week.

Offers Received
A variety of offers came in from multiple lenders, including:

• Lender #2518
• Lender #4329
• Lender #3889

The offers ranged between 70–75% Loan-to-Cost (LTC), with some lenders eliminating origination fees, which added to the competitiveness of the proposals.

Throughout this stage, some lenders clarified requirements related to appraisal fees. While a few required review fees for the appraisal, others didn’t explicitly mention appraisal costs, assuming that third-party expenses would be handled separately by the borrower.

Visa & Documentation
Lenders also requested confirmation of Amber’s visa status, a standard requirement for foreign national financing. Amber confirmed that she holds a B1/B2 Visa, which is accepted by most lenders for such loans.

Closing Preparation
With the winning lender chosen, Amber’s loan moved into the closing preparation phase. This stage typically involves finalizing all paperwork, securing any necessary documents, and getting ready to close the deal.

Challenge:

Embassy Scheduling
One of the final hurdles before closing involved coordinating a timely appointment at the U.S. embassy for document notarization and other consulate-related requirements. The embassy appointment scheduling process, particularly for foreign nationals, can sometimes be delayed, especially when appointments are in high demand or the embassy’s schedule is tight.

This scheduling issue created a timeline challenge as the lenders and sellers often have set closing deadlines. With the embassy appointment still pending, the timeline for finalizing Amber’s loan was at risk of being delayed.

Outcome (In Progress):

Nadlan’s team has been working closely with Amber and Rokaya to align the lender requirements with the availability of embassy appointment times. While embassy schedules are outside Nadlan’s control, we’ve ensured that proactive communication continues with all parties involved. This communication ensures that the lender, seller, and Amber are fully informed and prepared to proceed as soon as the embassy appointment is confirmed.

Key Takeaways:

1. Foreign National Borrowers Must Plan Early for Embassy Requirements: Scheduling embassy appointments, particularly for notary services and document verification, can be a time-consuming process. It’s critical to plan well ahead of time to avoid delays.
2. The Auction Process Can Deliver Multiple Competitive Offers Quickly: The auction platform proved highly effective, yielding multiple strong offers from lenders within a short period. This approach resulted in competitive, no-origination-fee options that aligned well with Amber’s financing goals.
3. Operator Collaboration Ensures Smooth Communication: The collaboration between Nadlan Capital Group and Rokaya helped ensure that Amber successfully navigated the lender requests and conditions. Constant communication kept all parties informed and helped avoid confusion or missed deadlines.
4. External Factors Can Impact Closing Logistics: While Nadlan’s processes are streamlined and efficient, external factors such as embassy scheduling can introduce unforeseen challenges. However, thorough planning and preparation reduce the risk of delays.

Conclusion:

Loan 1389 has successfully secured multiple competitive offers, and the process is progressing toward closing. The remaining hurdle is the coordination of embassy scheduling for the final document processing. Once this step is completed, Amber’s loan will be able to move forward and close without further delays.

Result:
Despite the embassy scheduling challenge, the auction process worked smoothly, resulting in favorable offers and clear communication throughout. Amber is on track to close once the embassy requirements are met, showcasing the strength of Nadlan’s auction system and the effectiveness of operator collaboration.

Amber’s case highlights the importance of staying ahead of external challenges and maintaining strong communication throughout the loan process. At Nadlan Capital Group, we remain committed to helping our clients navigate all stages of their financing journey with transparency and proactive support. For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.