Multifamily Mortgage Bankers and Brokers since 1997

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Meet the Staff

FROM:   Peter Harris    Author of the book “Commercial Real Estate Investing for Dummies”

" I have personally known Terry Painter and Apartment Loan Store since the early 2000's.  Since then, Terry is the first person we call when a commercial loan is needed - pretty much anywhere in the U.S. The best thing about Terry is his upfront work on the deal you are considering - you will know if your deal is going to get funded or not right away. That's huge! No other lender that I've worked over the last 20 years puts in as much work as Terry".



Terry Painter, President, is the author of the best selling book:  "The Encyclopedia of Commercial Real Estate Advice", and is a writer for He is the founder of Apartment Loan Store and Business Loan Store - commercial mortgage banking firms that have closed over $4.5 billion in commercial loans nationally since 1997.

Terry has personally closed hundreds of commercial real estate loans representing just about every type of commercial real estate. He has been featured on Fox Business, CNN, Discovery +, as well as Dennis Quaid's PBS documentary series "Viewpoint".

Terry was a top producer for Lasalle Bank and Lehman Brothers and has spoken nationally to commercial real estate investor groups, real estate brokers, and banks about commercial real estate Investing and lending. Terry is a member of the Oregon Bankers Association, The Mortgage Bankers Association, and Forbes Business Council.

For over 25 years, Terry has built strong correspondent relationships representing Fannie Mae, Freddie Mac, FHA/HUD, Life Companies, Wall Street conduits, Hedge Funds, REITs, and Regional,  and  National Banks.  

Fred Passmore, Senior Loan Officer, Commercial Construction Loan Advisor

With over 30 years of commercial and residential real estate experience, Fred  is one of the most creative and resourceful experts in putting commercial real estate deals together. Commercial Construction Lending is his top passion.   He understands the dynamics of investing in commercial real estate from an owners perspective - being able to think of each transaction as a business endeavor and craft the correct loan program for either a short or long term hold. Fred is well steeped in property financial analysis and performance and can assist in maximizing those skills to his client's benefit. Having personally bought, financed, sold, exchanged and held apartment buildings, office buildings, shopping centers, subdivisions and single family homes he understands all sides of this business.


Steve Raycraft, Senior Commercial Loan Officer

 has been with Business Loan Store since 2000, and has experience in a wide variety of commercial and business loan products. Known in the office as The Bulldog, Steve has a reputation for closing the most challenging deals. Being very knowledgeable, and meticulous in detail, he provides his clients assurance that their loan will be closed as proposed. And importantly, he also has the reputation of strong persistence – having closed some loans that many other loan officers would have given up on. Steve is an avid golfer (i.e. Hacker) with a passion for working with underprivileged kids.

Sharon Mizuta, Senior Commercial Loan Officer

 began her lending career as a loan officer at Norwest Mortgage, where she was the top producer in Southern Oregon in volume and customer satisfaction ratings, as well as the best in completeness and accuracy in submitted files. She surpassed loan originators with many more years' experience. After five years with Norwest Mortgage, she started her own successful mortgage company, which she ran for more than 14 years. She was then recruited by Business Loan Store/Apartment Loan Store, where she has been a senior loan officer for the past two years. She is known for her exceptional customer service, and high proficiency at getting commercial loans approved as proposed.

Dr. T. Randal Stovall, Commercial Originations Manager,

is proud to be a part of the Business Loan Store team. Randal brings a strength of strong client/customer leadership to Business Loan Store with his 20 plus years of experience developing financial solutions for individuals and companies. He has worked with IBM, AT&T, Texas Instruments and many more large corporations. Attention to detail, leaving no stone unturned to bring the best results is important to him as is creating long term relationships that clients can depend on over and again. Randal lives in Denver Colorado and hopes to have the chance to speak with you soon to discuss your commercial financing needs.


Bruce Painter, Director of Marketing

 develops business strategy for Apartment Loan Store and Business Loan Store. With more than 30 years of experience as a consultant, trainer and speaker, Bruce brings a wealth of knowledge to the commercial loans table. He is best known for figuring out how to “make deals happen.”


Getting the right loan and the lowest rate requires wisdom and finesse. If you’re ready to partner with a team of professionals who’ve built a foundation on straight talk and true strategy, we are the loan store for you.


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HUD Loans are one of the best options with the current level of interest rates. For a complete guide to HUD Multifamily Loans please go here:

HUD Multifamily Loans - The Complete Guide