Mr. Lawrence Tepper

Ridge Gate Financial, LLC

10211 Bluffmont Drive
Lone Tree CO, 80124-5559

Short Description:

Lawrence has a law degree from the University Of Denver College Of Law. He is a licensed Colorado Managing real estate broker. His specialty is the valuation of all types of non-publically traded promissory notes and debt instruments nationally.

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Over the past 45 years I represented buyers and sellers of residential property, industrial property, and commercial property. Many of my transactions utilized “creative financing vehicles” such as seller provided mortgage financing with a promissory note and deed of trust, purchase and lease-back financing, exchanging equities for equities in lieu of using traditional financing, and exchanging a promissory note mortgage for equity in lieu of traditional financing. The foundation of all of these financing methods was the understanding and utilization of promissory note financing secured by real estate. As a Business Opportunity Broker I represented business sellers and business buyers. A majority of these transactions utilized seller provided financing—-a promissory note secured by real estate and/or furniture, fixtures and inventory. As a Principal when buying and selling real property and business properties for my own account, promissory note financing played a significant role. As an Investor, for thirteen years, I specialized in the origination of private money mortgage financing secured by a promissory note and a deed of trust on real property (a mortgage). I appraised the potential mortgage loan investments, I decided on which to reject and which to fund, and I arranged for the drafting of the loan documents (promissory note and deed of trust), and then I did the monthly servicing of the mortgage payments. During that period of time about 350 potential mortgage loans were appraised and about 175 mortgage loans were originated and funded. I had the foreclosure process started when appropriate, and for overseeing its completion. Also, I appraised, bought, sold and serviced numerous existing promissory notes secured by a deed of trust. Buying, selling, originating, and appraising promissory notes secured by real estate and/or furniture fixtures and equipment has been my specialty and my primary activity for over 45 years.



Appraisals/Valuation Reports are provided to note holders, attorneys, CPAs and financial planners on a fee basis. The report is tailored to the requirements of the client.



  • Appraisers Association of America (allied professional member);
  • American Bar Association (associate member);
  • Colorado Bar Association (affiliate member);
  • National Association of Certified Valuation Analysts.


  • Law Degree /Accounting Minor University of Denver
  • Colorado Real Estate Broker Specializing in Promissory Notes
  • Certified Commercial Investment Member Designation From National Assoc. Realtors



During my 45 years of buying, selling, and appraised private promissory notes for my own account and for clients, I developed a national promissory note appraisal and valuation service. Please review my web site (above) Ridge Gate Financial, LLC provides appraisal and valuation services, at a fixed fee, for promissory notes, non-publically traded financial instruments, and other types of cash-flowing assets nationally.. Clients are estates, gift tax planners, attorneys, CPAs, probates, retirement planners, self-directed IRA accounts, 401(k) accounts, divorce attorneys, business attorneys, business buyers and sellers, and investors.

Colorado Real Estate Broker representing buyers and sellers utilizing “creative financing”, property exchanging, sale and lease-back financing, as well as traditional real estate mortgage loans.



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