About
The last place on earth you should need to go for this.
Experience you can take to the bank.
Last Place On Earth Lending Advisors is Harold Burton’s commercial mortgage practice, based in Washington and arranging financing for owners and investors in 40 states. Harold has spent more than 30 years in mortgage lending.
30+
Years in mortgage lending
40
States where we arrange financing
100%
Financing for income property
Commercial financing is a referral business that has been quietly broken for a long time. An owner with a perfectly financeable building gets sent to three lenders who do not want that property type, waits six weeks, and starts over.
This practice exists to shorten that. Harold spent years watching good properties get declined for reasons that had nothing to do with the property — the wrong lender, the wrong loan size, the wrong timeline — and built a practice around getting the file in front of the right lender the first time.
The name is a straightforward promise: the goal is that you should never have to look anywhere else to get a building financed. That means keeping the funnel narrow — investment property, apartment buildings and commercial — so the expertise is real rather than general.
We are based in Washington and work across 40 states, with owners who hold a single building and investors running portfolios across several. Whether it is a twelve-unit building in Spokane or a retail centre three states away, the work is the same: read the property honestly, take it to the right people, and tell you the truth about what comes back.
30+ years in mortgage lending.
Three decades of watching which lenders say yes, and why. That is the experience the next building you finance actually benefits from.
Four things that shape how we work.
Investment property only
We do not do owner-occupied homes or consumer lending. Every file we touch is secured by property held for income, which means the whole practice is built around how income property actually gets financed.
Apartment buildings are the specialty
Multifamily is the core of the business — five units to several hundred, stabilized or still filling up. It is the property type we understand best and see most often.
You talk to the person doing the work
The advisor who reads your rent roll is the advisor who takes the file to the lender. Nothing gets handed off to someone who has never seen the property.
We say no quickly
If a deal is not going to work, you will hear it early and plainly. That is more valuable than a slow maybe, and it is the reason people come back with the next building.
Tell us about the building.
A short description is enough to know whether it is worth pursuing. No cost, no obligation, and no call list.