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About Us
Strategic Lending. Personalized Solutions. Long-Term Success.
At Musubi Loans, we’re not just here to sell you a loan—we’re here to strategize with you. Our mission is to provide tailored financing solutions that align with your goals, strategy, and long-term financial well-being.
"Too often in this industry, loans are structured in ways that don’t truly serve the borrower. It’s not that a loan itself is “bad”—it’s that the wrong loan for the wrong goal can set you back rather than move you forward. That’s where we come in."
Erica Zepko
Founder
Our Approach
Rather than focusing on quick transactions, we take a holistic, advisory-driven approach:
We Listen First
Whether you’re buying your first home, refinancing, scaling into investment properties, or securing bridge financing, we start by understanding where you are and where you want to go.
We match the loan to the strategy
For example, an interest-only loan makes perfect sense for a fix-and-flip, where keeping costs low maximizes margins—but it’s a poor fit for a long-term wealth-building strategy, where paying down the principal over time is key.
We guide you beyond the transaction
Most brokers focus on closing a deal today; we focus on your ability to qualify over time and build a financial future that makes sense for you.
Why Musubi Loans?
Unlike traditional brokers who chase “low-hanging fruit” and maximize fees on a single transaction, we take a relationship-driven approach.
Trust
We aim to be your trusted advisor, not just your loan originator.
Priority
We prioritize long-term financial planning over short-term gains.
Strategy
We ensure that your financing strategy evolves with your real estate goals—because buying a home or investment property isn’t like buying an apple; it’s a decision that shapes your financial future.
"At Musubi Loans, we don’t just secure financing. We build lasting partnerships to help you achieve long-term financial success."
Erica Zepko
Founder
Strategic Lending. Personalized Solutions. Long-Term Success.
At Musubi Loans, we’re not just here to sell you a loan—we’re here to strategize with you. Our mission is to provide tailored financing solutions that align with your goals, strategy, and long-term financial well-being.
"Too often in this industry, loans are structured in ways that don’t truly serve the borrower. It’s not that a loan itself is “bad”—it’s that the wrong loan for the wrong goal can set you back rather than move you forward. That’s where we come in."
Erica Zepko
Founder
Our Approach
Rather than focusing on quick transactions, we take a holistic, advisory-driven approach:
We Listen First
Whether you’re buying your first home, refinancing, scaling into investment properties, or securing bridge financing, we start by understanding where you are and where you want to go.
We match the loan to the strategy
For example, an interest-only loan makes perfect sense for a fix-and-flip, where keeping costs low maximizes margins—but it’s a poor fit for a long-term wealth-building strategy, where paying down the principal over time is key.
We guide you beyond the transaction
Most brokers focus on closing a deal today; we focus on your ability to qualify over time and build a financial future that makes sense for you.
Why Musubi Loans?
Unlike traditional brokers who chase “low-hanging fruit” and maximize fees on a single transaction, we take a relationship-driven approach.
Trust
We aim to be your trusted advisor, not just your loan originator.
Priority
We prioritize long-term financial planning over short-term gains.
Strategy
We ensure that your financing strategy evolves with your real estate goals—because buying a home or investment property isn’t like buying an apple; it’s a decision that shapes your financial future.
"At Musubi Loans, we don’t just secure financing. We build lasting partnerships to help you achieve long-term financial success."
Erica Zepko
Founder
Strategic Lending. Personalized Solutions. Long-Term Success.
At Musubi Loans, we’re not just here to sell you a loan—we’re here to strategize with you. Our mission is to provide tailored financing solutions that align with your goals, strategy, and long-term financial well-being.
"Too often in this industry, loans are structured in ways that don’t truly serve the borrower. It’s not that a loan itself is “bad”—it’s that the wrong loan for the wrong goal can set you back rather than move you forward. That’s where we come in."
Erica Zepko
Founder
Our Approach
Rather than focusing on quick transactions, we take a holistic, advisory-driven approach:
We Listen First
Whether you’re buying your first home, refinancing, scaling into investment properties, or securing bridge financing, we start by understanding where you are and where you want to go.
We match the loan to the strategy
For example, an interest-only loan makes perfect sense for a fix-and-flip, where keeping costs low maximizes margins—but it’s a poor fit for a long-term wealth-building strategy, where paying down the principal over time is key.
We guide you beyond the transaction
Most brokers focus on closing a deal today; we focus on your ability to qualify over time and build a financial future that makes sense for you.
Why Musubi Loans?
Unlike traditional brokers who chase “low-hanging fruit” and maximize fees on a single transaction, we take a relationship-driven approach.
Trust
We aim to be your trusted advisor, not just your loan originator.
Priority
We prioritize long-term financial planning over short-term gains.
Strategy
We ensure that your financing strategy evolves with your real estate goals—because buying a home or investment property isn’t like buying an apple; it’s a decision that shapes your financial future.
"At Musubi Loans, we don’t just secure financing. We build lasting partnerships to help you achieve long-term financial success."
Erica Zepko
Founder
