I want to lend money and create a 2nd on RE property... but how?

[Daniel Burbol]

I get the concept.  I lend them money and create a note that is secured to the real estate.

The money is for repairs on the RE property itself.  (homeowner has broken roof).

Where do I start with the evaluation of whether the home owner is worth lending to?

How do I find a licensed mortgage originator to write the note correctly?  (My searches just find mortgage *brokers* when I search)

Do I even need a licensed mortgage originator for a 2nd?

I'm happy to search on any key words or call around if I only knew what to search on.

Thanks!!