Luxury Fractional Financing - Ward Financial Overview

Developer Financing

Ward Financial Company has been securing financing for its resort developer clients for more than 25 years. It was established in 1980 by Bill Ward Sr. and today it is lead by his sons, Bill Ward Jr. and Tom Ward. Specializing in debt and equity for the vacation ownership industry, Ward Financial Company has obtained more than $2 billion dollars of funding for fractional resorts, timeshare developments, private resident clubs, hotel conversions, and mixed-use development. Over the course of two decades Ward Financial Company obtained funding for over 200 of these specialty resort properties in the U.S., Mexico, Caribbean and Canada.  

Ward Financial Company has been instrumental in attracting capital to the resort/second home industry by cultivating lending sources specifically for these real estate products. Ward Financial builds extensive relationships with lenders by providing thorough and reliable analysis of resort financing requests. The underwriting performed by Ward Financial, when combined with the lender's own due diligence, enables lenders to make secure lending decisions on an expedited basis.

Ward Financial also provides the developer guidance on all aspects of a project's financial structure as it relates to debt, equity, inventory and consumer financing, to help maximize the financial aspects of the development. Ward Financial has been a member of the American Resort Developers Association (ARDA) for 25 years.

Consumer Financing

In order to meet the growing need for fractional mortgage financing, Ward Financial Company recently co-founded a new entity called Fractional Mortgage Advisors LLC ("FMA") which provides financing directly to fractional buyers. FMA has been established to handle the increasing need of originating fractional mortgages and processing these types of transactions. The company is co-owned with Jonathan Freed, and accompanied by a staff with over 21 years of combined experience and over 5 billion dollars of mortgage volume originated and/or processed.

Our staff has been hand-picked based on their individual strengths and level of expertise to carry out the innovative internal workings of fractional lending and processing. Each member plays a role not only in performing their specific responsibility, but also in acting as a gateway to upper management to make sure performance and service is never sacrificed due to changes in the lending environment.

FMA is on the cutting edge of lending by helping to develop and create a new division of an industry that has the potential of driving the market for many years to come. FMA has the knowledge and experience to aid in the shaping of fractional lending, just as conventional lending has been shaped today.