Luis Leiva is a young, motivated real estate broker and licensed instructor. At just 35 years old, Luis has owned and developed three real estate offices. He is currently CEO of Culture Estate, located in Scotch Plains, NJ. Luis has been involved in over 1,000 transactions. His experience has allowed him to mentor others and assist his clients in making strategic investments. He is looking to make his mark on the world by speaking and spreading his knowledge to the real estate community. He currently hosts an educational series on YouTube, spreading his message through social media. With his talented staff and unparalleled work ethic, Luis is determined to make Culture Estate a household name.

Joseph Gachko has been practicing residential and commercial real estate law since 1983. Gachko has extensive experience in all phases of real estate matters and routinely lectures to industry professionals at seminars. Gachko is also a member of the New Jersey Bar and Union County Bar Association, and was previously a member of the Union County Bar Association Real Estate Committee. Having maintained his own practice in New Jersey since 1989, Gachko attended Seton Hall University and graduated Magna Cum Laude in 1979 with a B.S. degree in Accounting, and received his J.D. law degree from Villanova University School of Law in 1982.

Jim has been active in the building industry for almost 34 years starting out in 1983 working on a framing crew building custom homes throughout Somerset and Hunterdon Counties. After years as a framing contractor he moved into the realm of providing full service general contracting on projects ranging from custom homes to all aspects of home improvements. Since forming Jersey Strong Construction in November of 2012, James has been working as a project manager in the construction of single family homes and complete renovations and rehabs of properties for the retail market.

Nicholas P. Timpanaro started his career in the title industry in 1986 as a title abstractor in Hudson County. Along with his wife, Dorri, he grew the business to service over 100 title agents. In 1990, he was hired as Chief Title Examiner and Manager of the Foreclosure Department at First Financial Title Insurance Company. In 1994, he became President of Commerce Title Agency, Inc. and built the business to produce over 35% of all the foreclosures in the state of New Jersey. In 2000, he opened Fortune Title Agency, Inc. and expanded the business even further to not only perform Mortgage Foreclosures, but also Tax Sale Foreclosures, REO Property Sales, Purchases, and Refinances.

We focus on hard money lending for investors looking to buy, fix up, and sell residential properties in New Jersey, New York, and Pennsylvania, but can fund in nearly every state. We loan up to 90% of the purchase price of an investment property, and up to 100% of the construction.