Business Page
Blackdot Mortgage
Lender
5.0 stars
42 Reviews
Markets served
Arizona
California
Colorado
Florida
Michigan
Texas
Nationwide
About us
Broker. Investor. Portfolio Builder. I’m not just a mortgage broker, I’m a real estate investor who has personally used DSCR financing to build my own portfolio. As the owner of Blackdot Mortgage, I understand investment financing from both sides of the transaction. I’ve personally navigated the process of analyzing properties, evaluating rental income, structuring DSCR financing, and using real estate to build long-term wealth. My focus is helping investors use DSCR and other investment-property financing to acquire and grow their portfolios. And because I own a full-service mortgage brokerage, you’re not limited to one loan program. If DSCR isn’t the right fit for your investment, I can help you explore other financing strategies. Whether you’re purchasing your first rental property or looking to scale an established portfolio, my goal is simple: help you understand the numbers, find the right financing strategy, and make your next investment easier than your last. I invest. I understand DSCR. I understand the mortgage business. And I’m here to help you build your portfolio. DSCR financing available in most states across the U.S.
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan
FHA
Hard/Private/Non-QM
Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Balance Sheet Loan
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (42)
5.0 stars
42 Reviews
5.0 stars
42 Reviews
0.0 star
0 Reviews
5.0 stars
5 months ago
Reviewed by
Craig Rafferty
Courtney and her team were absolutely amazing to work with! As a Realtor, I work with many different loan officers and can definitely tell the difference between good and great — and Courtney is truly one of the great ones. Excellent communication, professionalism, and customer service from start to finish. Highly recommend Courtney and her team to anyone looking for a smooth and successful lending experience!
5.0 stars
7 months ago
Reviewed by
Hollie Bendall
Karley Constantineau was my clients’ lender and she was absolutely fantastic! Karley was knowledgeable, fast and found solutions to every challenge. I would recommend Karley to anyone who is thinking of purchasing a home💖
5.0 stars
11 months ago
Reviewed by
Tatum Pond
I had a flawless experience with Courtney and Karley in purchasing my first home. They helped me to understand the process and were in consistent communication with me the whole time. They made it so easy and I couldn’t be more grateful to them!
5.0 stars
a year ago
Reviewed by
Elsa Soto
We had an amazing experience with Randall! He went above and beyond to get us approved and closed in just 15 days. The dedication and personal attention he gave us were incredible. Highly recommend—Randall is exactly who you want in your corner!
5.0 stars
a year ago
Reviewed by
Maria Corona
Randall is amazing. His professionalism surpassed all my expectations. I was in a crunch to close escrow in 15 days, Randall and his team made it happen!!! He consistently provided me with updates on items needed, he answered every phone call, no matter how late it was. He is empathetic. Even after escrow closed he kept in touch to ask how we were doing in our new home. THANK YOU RANDALl!!!! You were God sent.
5.0 stars
a year ago
Reviewed by
Tricia Katrantzis
I recently purchased a home and Randall Gallardo was my broker. I cannot relay the ease, professionalism & unwavering courtesy I experienced while working with him.
Randall is quite honestly one of thee nicest human beings I’ve ever encountered. He is right on top of everything, always offering an ear for questions, concerns, you name it, he is available! He also helped my co-signing father with technical difficulties and offered such kindness and patience along the way. I literally feel blessed to have worked with such an exceptional, hardworking, and honest person.
YOU are one of a kind, Randall. Thank yooou!
5.0 stars
a year ago
Reviewed by
Nicole
Karley was an absolute godsend during the entire house buying process. I had the pleasure of working with her for over a year, and amazing doesn't begin to describe her! She was constantly communicating from beginning to end, educated me on all the things I had no idea about and did so in a way that was supportive and patient. She was and still is accessible, so if I ever have a question or concern, she was always there. She made one of the most stressful life experiences I've ever had smooth and seamless with the lender, and that was a huge weight off of our shoulders. You won't find a better person to partner with during your own house hunting journeys.
5.0 stars
a year ago
Reviewed by
Meagan
I would absolutely recommend the Blackdot team to anyone looking for help with their mortgage. Courtney is by far one of the friendliest and most knowledgeable people I've had the pleasure of working with. Her level of care for her clients is unmatched. 10/10!
5.0 stars
3 years ago
Reviewed by
Cody Maldonado
Working with Blackdot Mortgage was the best experience I have had when purchasing a home. Karley and Courtney are highly knowledgeable, great with communication, and kept me informed throughout each step. They made the process simple and quick for me, AND were able to get my loan approved in 7 days! I highly recommend Team Blackdot for any of your mortgage industry needs. I will be using them again in the future.
5.0 stars
4 years ago
Reviewed by
Kelli Ankrom
Courtney at Blackdot Mortgage was absolutely amazing! She was able to get us an excellent rate and we were able to close very fast! We were worried as this was a second home and out of state but Courtney was great about assuring me that everything would happen as it needed to. She is very knowledgeable and accommodating and communicated with everyone involved. We were able to buy our dream home in Colorado- thank you Courtney!
I would highly recommend her and will be using her for any future mortgage needs.
5.0 stars
5 months ago
Reviewed by
Craig Rafferty
Courtney and her team were absolutely amazing to work with! As a Realtor, I work with many different loan officers and can definitely tell the difference between good and great — and Courtney is truly one of the great ones. Excellent communication, professionalism, and customer service from start to finish. Highly recommend Courtney and her team to anyone looking for a smooth and successful lending experience!
5.0 stars
7 months ago
Reviewed by
Hollie Bendall
Karley Constantineau was my clients’ lender and she was absolutely fantastic! Karley was knowledgeable, fast and found solutions to every challenge. I would recommend Karley to anyone who is thinking of purchasing a home💖
5.0 stars
11 months ago
Reviewed by
Tatum Pond
I had a flawless experience with Courtney and Karley in purchasing my first home. They helped me to understand the process and were in consistent communication with me the whole time. They made it so easy and I couldn’t be more grateful to them!
5.0 stars
a year ago
Reviewed by
Elsa Soto
We had an amazing experience with Randall! He went above and beyond to get us approved and closed in just 15 days. The dedication and personal attention he gave us were incredible. Highly recommend—Randall is exactly who you want in your corner!
5.0 stars
a year ago
Reviewed by
Maria Corona
Randall is amazing. His professionalism surpassed all my expectations. I was in a crunch to close escrow in 15 days, Randall and his team made it happen!!! He consistently provided me with updates on items needed, he answered every phone call, no matter how late it was. He is empathetic. Even after escrow closed he kept in touch to ask how we were doing in our new home. THANK YOU RANDALl!!!! You were God sent.
5.0 stars
a year ago
Reviewed by
Tricia Katrantzis
I recently purchased a home and Randall Gallardo was my broker. I cannot relay the ease, professionalism & unwavering courtesy I experienced while working with him.
Randall is quite honestly one of thee nicest human beings I’ve ever encountered. He is right on top of everything, always offering an ear for questions, concerns, you name it, he is available! He also helped my co-signing father with technical difficulties and offered such kindness and patience along the way. I literally feel blessed to have worked with such an exceptional, hardworking, and honest person.
YOU are one of a kind, Randall. Thank yooou!
5.0 stars
a year ago
Reviewed by
Nicole
Karley was an absolute godsend during the entire house buying process. I had the pleasure of working with her for over a year, and amazing doesn't begin to describe her! She was constantly communicating from beginning to end, educated me on all the things I had no idea about and did so in a way that was supportive and patient. She was and still is accessible, so if I ever have a question or concern, she was always there. She made one of the most stressful life experiences I've ever had smooth and seamless with the lender, and that was a huge weight off of our shoulders. You won't find a better person to partner with during your own house hunting journeys.
5.0 stars
a year ago
Reviewed by
Meagan
I would absolutely recommend the Blackdot team to anyone looking for help with their mortgage. Courtney is by far one of the friendliest and most knowledgeable people I've had the pleasure of working with. Her level of care for her clients is unmatched. 10/10!
5.0 stars
3 years ago
Reviewed by
Cody Maldonado
Working with Blackdot Mortgage was the best experience I have had when purchasing a home. Karley and Courtney are highly knowledgeable, great with communication, and kept me informed throughout each step. They made the process simple and quick for me, AND were able to get my loan approved in 7 days! I highly recommend Team Blackdot for any of your mortgage industry needs. I will be using them again in the future.
5.0 stars
4 years ago
Reviewed by
Kelli Ankrom
Courtney at Blackdot Mortgage was absolutely amazing! She was able to get us an excellent rate and we were able to close very fast! We were worried as this was a second home and out of state but Courtney was great about assuring me that everything would happen as it needed to. She is very knowledgeable and accommodating and communicated with everyone involved. We were able to buy our dream home in Colorado- thank you Courtney!
I would highly recommend her and will be using her for any future mortgage needs.
