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Meet Our Team

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JON SARVER

President

jon@alfieloans.com

Jon arrived in Asheville in 1989 to attend Warren Wilson College. Jon is the Principal Broker and Owner of Sarver Realty Group LLC, established in 2005 as a vibrant boutique firm dedicated to client satisfaction and integrity.  Jon has brokered over $75 Million in commercial and residential real estate in his career. Recently, Jon assembled a series of historic buildings with an eye to preserving the character of traditional Asheville. Jon is an avid cyclist and runner and he and his wife Amanda, who works as a property manager, have three children.

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TODD FOWLER

Chief Executive Officer

todd@alfieloans.com

Todd graduated from Appalachian State University in 1988 with a degree in Real Estate and Business.  Since the age of 20, Todd  has been buying and selling properties.  He worked at Appalachian Realty Associates in Asheville for many years and his love of numbers drew him towards real estate accounting. He opened his own accounting firm, Todd and Company, in 2008 before taking on the role of Chief Financial Officer of ALFIE.  He and his wife Amy have one son, Hill, and they spend their time hiking and biking, exploring the wonders of Western North Carolina.

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KIM AASLAND

Chief Financial Officer

kim@alfieloans.com

Kim is a native of North Carolina and has called Asheville home since 1995. She has a Bachelors degree from the University of NC Greensboro and an A.A.S. from AB Tech.  Her varied studies have given her the ability to be creative on her career path at ALFIE. After managing an Asheville Real Estate Company for 10 years, she worked as a manager at a local country club.  Alongside her family and friends, (she and Todd Fowler are siblings) Kim enjoys the excitement and multifaceted responsibilities of her role with ALFIE, as no day is ever the same.

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MATT CRAWFORD

Chief Operations Officer

mcrawford@alfieloans.com

Matt is a relative newcomer to the Asheville area. He graduated from Penn State University with a degree in Finance and concentration in Real Estate. Matt's educational and professional background in finance, combined with his experience assisting commercial and residential developers adds tremendous value to the ALFIE team.  Matt's unique position of Director of Investments allows him the flexibility to interact with both investors and borrowers on the ground level. Outside the office, Matt enjoys riding bikes and trail running with his partner, Brittney, and their dog, Scout.

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PERRY HEDRICK

Loan Originator

perry@alfieloans.com

Perry is a native of North Carolina and has lived in Charlotte since 1986.  He graduated from Appalachian State University with a B.S. in Business Administration and holds active North Carolina General Contractor and Real Estate Broker Licenses.  Perry began his real estate financing career in 1994 with Bank of America as a Relationship Manager in their Home Builder Finance Division.  He started and managed residential construction lending offices for several banks in Charlotte, including SouthTrust, Regions and CommunityOne.  Perry joins ALFIE in expanding into the metro Charlotte market.  He and his wife Mary Beth have two sons, one in college and one is a college graduate serving in the Army.  Perry’s outside interests include sports, music, health, guitar and homebuilding.

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CRAIG PETERS

Loan Originator

craig@alfieloans.com

Craig, a native of Philadelphia, PA, is a 1991 graduate of LaSalle University and moved to Asheville in 2000 following a career as a casino marketing executive with Harrah’s Entertainment.  A seasoned business operator and sales professional, he has spent much of his time managing and consulting in the hospitality industry. As investor relations specialist and loan originator, Craig is responsible for expanding ALFIE's reach between the Asheville and Upstate SC markets. When he isn't working, Craig, the father of two wonderful teenagers, Kayla and Eric, can be found mountain biking, running, and hiking the trails of WNC.

 

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MATT CRAIG

Loan Originator

matt@alfieloans.com

Matt is a native of Kansas City and a graduate of the University of Kansas with a BA in Economics. After moving to NC in 1993, Matt began buying, renovating, and selling properties. He obtained his NC real estate sales license in 1994 and his NC builders license in 1998. He has lived in various cities in FL and NC, primarily working as a builder & project manager in commercial and residential construction. He has also served  as a DIY building consultant for homeowners, and a licensed property claims adjuster. Matt joined ALFIE in 2019 to establish the firm’s presence in the NC Triad markets. In addition to USTA league tennis, he enjoys spending his spare time outside SUPing, surfing, kayaking and biking. Matt is the proud father of two daughters, Mia and Ellie.

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PATRICK O'CAIN

Investor Relations

patrick@alfieloans.com

As an Asheville native, Patrick received his degrees from NC State and spent time working in France and Charleston, SC before deciding to return and open the Gan Shan series of restaurants. After the early 2020 sale of his Charlotte Street restaurant, he expanded his career into various aspects of the Western North Carolina Real Estate markets and consulting. Outside of work, Patrick is an avid cyclist and enjoys spending time with friends, family, and his two dogs Beatrice and Arthur.

ALFIE OVERVIEW


Basic Loan Terms:

  • Loans limits from $100,000 - $10M
  • Term can be from 9 months to 36 months with possible renewal
  • 3 month minimum interest period
  • Current interest rate less than 1M = 11% and more than 1M = 10% on funds drawn
  • Minimum borrower cash contribution 20-25% down
  • Alfie funds 100% of build cost for Spec home loans


Max Lending Limits:

  • Up to 65% LTV/ARV or 75% cost whichever is less for improved properties (Non Owner Occupied properties only)
  • Up to 50% LTV/LTC on Land Acquisition/Development (Alfie & AND Loans are limited)
  • Up to 50% Equity Cash Out Loans on Improved Investment Real Estate

Spec Home Loans:

  • 100% Construction financing 
  • Borrower to own lot free and clear 
  • 9 or 18 month term with 3 month minimum interest 
  • Super fast underwriting and approval process 
  • Simple quick construction draw inspection and funding


We want our
borrowers to succeed!