Horizon Capital Lending Group

Johanna Marks

Broker · Lending

Johanna Marks is a licensed real estate broker and owner of Millenium Empire Realty, with extensive experience in real estate, property management, and lending. She has a strong understanding of the full real estate lifecycle, from acquisitions and financing to management and successful closings.

With a background in property management, Johanna has overseen operations, tenant relations, and asset performance, ensuring properties are well-managed and profitable. Her experience in loans allows her to guide clients through financing options, helping them make informed decisions and secure the best solutions for their needs.

Johanna is committed to delivering exceptional service with integrity, professionalism, and attention to detail. She is passionate about helping clients grow their investments, navigate complex transactions, and achieve long-term success in real estate.

Specialties

How Johanna can help.

From residential purchases to business financing, Johanna brings a comprehensive approach to every client engagement.

Home Purchase

Conventional, FHA, VA, and specialized programs including physician loans with up to 100% financing.

Refinance

Lower your rate, shorten your term, or access equity. Find the optimal structure for your goals.

Investment Properties

DSCR loans, portfolio products, and creative financing for investors growing their holdings.

Construction Loans

Ground-up construction and renovation financing with flexible draw schedules and competitive terms.

Commercial Loans

Financing for office, retail, multifamily, and mixed-use properties. Tailored structures for commercial investors.

SBA Loans

SBA 7(a) and 504 programs for business acquisition, expansion, equipment, and real estate purchases.

Business Loans & MCAs

Working capital, merchant cash advances, and short-term business financing for immediate operational needs.

Johanna Marks

How Johanna can help.

Work with Johanna