Urban Mutual’s ultimate goal is to enable experienced renovation, rehab and ground-up construction developers to significantly expand their business opportunities and production pipeline by taking on additional projects they do not have the capital to secure or the required infrastructure to manage. 

Urban Mutual’s close affiliation with some of the largest real estate brokers and wholesale acquisition firms in the nation can create unique opportunities for our mortgage brokers and first mortgage lender affiliates, and most importantly our development partners, to access strong acquisition deal flow, and the ability to further help monetize profitability and drive enterprise value.

Our exclusive Affordable Luxury value-added inclusions and corporate advisory services, which incorporates a number of proprietary risk mitigation products and services, can insure that Urban Mutual’s affiliated investors, financiers and developers are able to protect themselves against the uncertainty of market driven exposure and the risk of construction cost overruns and delays. 

Urban Mutual’s sophisticated suite of ‘insurance-wrapped’ property value protection and underwritten asset-exit strategy programs allow our developer partners to significantly differentiate their projects from their competitors, and therefore sell, and often even pre-sell, their properties decidedly faster and at a considerably higher value then they could have otherwise. 

This includes; our 90 Day Buyer Satisfaction Sell-Back Performance Guarantee, allowing buyers of Urban Mutual sponsored residences to ‘give back’ and exit their newly purchased home if they are not fully satisfied with their purchase*; our unprecedented Down Payment and Equity Investment Protection Program - an innovative solution to protect the home buyer's down payment, which can safeguard the home buyer’s initial Equity investment in the event of a market correction or price decrease*;  and Urban Mutual’s unmatched Starchitect Property Branding initiative. Our exceptionalAffordable Luxury Program* includes:

  • “Starchitect” Celebrity Designer Branding and DesignConcept

  • “Organic” Healthy Home, HealthandWellness Solution

  • Award Winning, Smart Home, Audio, Visual and Automation Technology System

  • A-rated Property Equity/Value Protection Policy - up to 10-year Equity Loss Guarantee 

  • Construction Performance Bond ‘Guarantee’ – cost overruns and time delay protection

  • 90-Day Buyer Satisfaction Sell-Back Performance Guarantee*


Urban Mutual is a boutique Private Equity and Corporate Advisory Investment Firm representing family office and institutional money. Urban Mutual's mandate is to provide innovative and secure, turn-key 100% LTV/LTC funding solutions to the real estate development and construction industry, which include First Mortgage and Equity Gap Mezzanine finance, as well as Preferred Equity investment options. 


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Houston Office:

2007 Commerce Street, Suite 200

Houston, TX 77002

Email:      info@urban-mutual.com
Phone:    214-238-3600

© 2017 by Urban Mutual, SPC

All Californian loans are made or arranged pursuant to a California Finance Lenders Law license (Urban Mutual, SPC, CFL License No. 60DBO-82334). Urban Mutual, SPC makes business purpose loans only and does not originate or acquire owner-occupied residential mortgage loans. Information, rates, and pricing are subject to change without prior notice. All loans are subject to borrowers and underlying collateral meeting Urban Mutual, SPC’s then-current underwriting criteria. Other restrictions apply.