Oak Tree Capital ground up construction loans. Our Construction Loans provide builders and investors the financing they need for ground-up construction and land acquisition. New Construction Loans from the Ground Up. Fast, Flexible Financing for your Construction Project. Whether you're a seasoned builder, a veteran investor, or a general contractor ready to start your own investment projects, Oak Tree Capital's new construction loans keep your project moving from lot purchase to final walkthrough. Program Highlights Rates as low as 9.25% Leverage up to 75% LTARV Loan sizes $75K – $50M From acquisition to completion, we help keep your construction projects moving forward with speed, flexibility, and dependable execution. Up to 75% of Purchase 100% Reimbursement on Construction 12 – 24 Month Loan Term Single-Family, Multi-Family, and Condos Some Loans with No Prepayment Penalty Flexible Programs Available Blanket Loans Available Extensions Available Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital offers Mortgage such as Conventional, FHA, private, and hard money loans for residential and commercial properties, with loan amounts from $100K to $200M. As both a direct lender and broker, we tailor financing to your needs—whether in-house or through our network. Need fast access to equity? Our 4-day HELOC program delivers quick, efficient funding. There are many types of mortgage companies— choosing the right one can make all the difference. You want a partner who understands the full range of loan products and knows how to secure the best financing for your specific needs. Uniquely positioned as both a broker and direct lender At Oak Tree Capital, we offer the best of both worlds. As both a direct lending partnership and a broker, we are uniquely positioned to connect you with the right loan solution. Whether you’re seeking a 1st, 2nd or 3rd or a mortgage as small as $100,000 or a high-balance specialty loan, up to $200,000,000 we have the expertise to guide you every step of the way. With over 25 years of experience in the mortgage industry, we bring knowledge, relationships, and results you can rely on. Download Brochure Request a Phone Call Email Us! Start Your Loan Questions? Call us 833.464.8646 Email sales@homeatoaktree.com Welcome to homeatoaktree Reproducir video Loan Products Reproducir video Mirar ahora Facebook Twitter Pinterest Tumblr Copiar Enlace Enlace copiado Cerrar

After-Repair Value (ARV) loans are short-term financing for investors buying and renovating fixer-uppers. Unlike traditional loans, they’re based on the property’s projected value after improvements. These loans often cover purchase and rehab costs, financing up to 65%–75% of ARV—ideal for fix-and-flip projects needing fast, flexible funding. ARV Pro Loan (loan limit $5,000,000) The best short-term solution for acquiring and improving property value. Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV). KEY FEATURES Allows borrowers to finance improvements. Great for borrowers who need a quick close. monthly payments.An interest-only 1-year term provides lower A higher LTV than hard money lenders. PROPERTY TYPES Investor 1-4 (SFR, Condo, and 2-4 Units Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital provides SFR and commercial loan solutions featuring competitive rates, flexible terms, and streamlined, fast closings. Request - Download Brochure Request a Phone Call Start Your Loan Start Now Fast50 Loan (loan limit $5,000,000) A low LTV loan with easy credit requirements. Designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification. KEY FEATURES Streamlined underwriting. No seasoning of ownership required. Improved pricing compared to our FlexTerm program. amortized over 30 years. Available as a 3-year-fixed or 30-year-fixed loan, each PROPERTY TYPES Investor 1-4 (SFR, Condo, and 2-4 Units) Multi-Family (5+ Units) Mixed-Use Commercial (Office, Retail, Warehouse, Self-Storage and Automotive) Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital Home Equity Line of Credit or HELOC loans, stand alone and speciality HELOC's available to close in 4 days. HELOC in 4 DAYS! FAST CASH! Owner Occupied Minimum Credit 600 Non-Owner Occupied Minimum Credit 640 Up to 85% Combined Loan to Value (CLTV) 8.05 - 13.80% Base Interest Rate 1st, 2nd or 3rd Position Loan 30 Year Term (less available) SFR, Multi-Fam or Condo Available in Most States Cannot be used behind a foreclosing 1st or a balloon loan *4 Day is normal period to close, this does not constitute a promise or guarantee to close in 4 days. Apply Here Download Brochure Request a Phone Call Email Us! Start Your Loan

Buy your dream home without an SSN. Learn how ITIN loans help non-U.S. citizens and resident aliens qualify for a mortgage using a Tax ID number. ITIN Mortgage Loan For Borrowers who do not have a Social Security number Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc Non-QM mortgage offering flexibility for individuals residing in the United States. ITIN Loans Unlock Your Dreams Full Documentation Option Maximum DTI: 50% Purchase or Rate & Term / Maximum DTI: 43% Refi Cash Out SFR, PUD, Townhomes, Duplexes, and Warrantable condos only (9 stories or less) Primary Residences Only 3 Months Reserves Gifts allowed (up to 50% of downpayment) No Escrow Waivers. No Interest Only FICO as low as 640 Questions & Answers What is an ITIN Loan? An ITIN Mortgage Loan is a home loan program for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. How do borrowers qualify for an ITIN loan? Borrowers may qualify using 12 or 24 months of bank statements or full documentation, subject to debt-to-income ratio and income verification requirements. What transactions are allowed under an ITIN Mortgage Loan? Eligible transactions include purchase, rate and term refinance, and limited cash-out refinance, subject to loan-to-value and credit guidelines. Are gift funds allowed on an ITIN loan? Gift funds are permitted for a portion of the down payment, subject to program limits and documentation requirements. What property types are eligible for ITIN loans? Primary residences are eligible under current ITIN program guidelines, subject to underwriting standards.

Oak Tree Capital offers high-balance loans from $10,000,000 up to $200,000,000, providing flexible financing solutions for large-scale real estate and commercial investment opportunities. Loan Types Fixed-Rate Loans Long-term financing solutions with stable, fixed interest rates and no balloon payments. Ideal for self-employed investors and small business owners seeking predictable monthly payments and long-term stability. Interest-Only Loans Short-term, interest-only financing designed to maximize cash flow, support property appreciation strategies, and help minimize vacancies during transitional periods. Short-Term Loans Interest-only loan options with terms of up to 24 months—perfect for acquiring new properties, repositioning assets, or leveraging existing real estate holdings. Low LTV Loans Flexible loan programs with streamlined credit requirements, tailored for investors with credit challenges who have strong equity positions and need fast, straightforward qualification. Foreign Investor Program Customized financing solutions for international investors looking to purchase U.S. investment properties, even when traditional financing options are limited. Blanket Loans A blanket loan is a type of financing that enables investors to fund multiple properties under a single mortgage agreement. Rather than managing separate loans for each property, investors consolidate them into one streamlined loan structure. This approach simplifies administration, reduces paperwork, and often improves cash flow management. Because it leverages the combined equity of several properties, a blanket loan can unlock greater borrowing power. It’s particularly advantageous for large acquisitions, portfolio growth, or refinancing multiple properties at once—allowing investors to scale efficiently while keeping their financing organized. HELOC's A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows you to borrow against the equity in your home. It offers flexible access to funds and typically comes with variable interest rates and repayment terms. Overview A HELOC is a secured line of credit that uses your home as collateral. Your borrowing limit is based on the equity you’ve built—calculated as the difference between your home’s current market value and the outstanding balance on your mortgage. Unlike a traditional loan that provides a lump sum upfront, a HELOC works more like a credit card. During the draw period, you can borrow funds as needed, repay them, and borrow again—up to your approved credit limit. Investment Loans Information Download Brochure Request a Phone Call Email Us! Start Your Loan

DSCR Loans for Real Estate Investors — No Income Verification Required Qualify based on property cash flow, not personal income. Ideal for investors looking to scale quickly without traditional documentation hurdles. Request - Download Brochure Request a Phone Call Start Your Loan Start Now DSCR Loans for Real Estate Investors ----- No Income Verification Needed ----- Skip the traditional paperwork. With DSCR (Debt Service Coverage Ratio) loans. You qualify based on the income generated by the property—not your personal income . No tax returns required Faster closings Ideal for rental and investment properties Flexible loan options, if you’re ready to grow your portfolio without the usual red tape, this is the financing solution you’ve been looking for. Program Basic's ✔ Up to 85% Financing ✔ Properties up to 20 Acres ✔ Rural Properties Welcome ✔ Purchase or Refinance Options ✔ Minimum FICO 620 ✔ Title in LLC or Corporation Allowed ✔ Non-Warrantable Condos Accepted Flexible financing solutions designed for real estate investors ready to grow . How DSCR Loans Work DSCR (Debt Service Coverage Ratio) loans use your property's rental income divided by mortgage payment. Ratios of 1.0 or higher typically qualify. No tax returns or employment verification required. Self-Employed Programs No W-2s or tax returns needed. Qualify using 12-24 months of bank statements. Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital offers Soft Money. Which is a hybrid of hard money and conventional loans. Better rates and terms than hard money but without the document requirement of conventional loans. FlexTerm Loan (loan limit $5,000,000) A customized loan to meet the individual needs of each investor. Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment. KEY FEATURES 30-year fixed rate. Interest-only payments up to 10 years. Great for qualifying self-employed investors and small business owners. Based on property value, not personal income. Best alternative to hard money loans. This program can be used for a purchase with 10% down if the seller agrees to a 15% seller carryback loan (must be legitimate loan documentation) we will finance the 75%! PROPERTY TYPES Investor 1-4 (SFR, Condo, and 2-4 Units) Multi-Family (5+ Units) Mixed-Use Commercial (Office, Retail, Warehouse, Self-Storage and Automotive Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital commercial bridge loans. Looking for capital for your next commercial property? We're the go-to local lender for your short-term commercial financing needs. Flex I/O Loan (loan limit $5,000,000) A short-term interest-only loan program. Designed for investors seeking short-term financing with no prepay penalties. KEY FEATURES An interest-only, 24-month term provides lower monthly payments. Available for purchase or cash-out refinance. Perfect for acquiring or leveraging real estate holdings. A higher LTV than hard money options. PROPERTY TYPES Investor 1-4 (SFR, Condo, and 2-4 Units) Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital Foreclosure Bailout Loans provide a refinance solution to help homeowners avoid foreclosure. If your mortgage is in default, this loan replaces the existing loan, pays off past-due balances, and brings the account current. It’s a fast, flexible option to stop foreclosure and regain control of your property. A Foreclosure Bailout Loan is a mortgage designed to save property owners from having the properties being foreclosed upon by their banks, it is a refinance loan. The home owner takes out a mortgage to pay off the current loan that's in default. Foreclosure Bailout Refinances are based on the value of your home, and how much you owe your current mortgage companies. For this reason, most of these loans require an appraisal. A foreclosure bailout loan should be viewed as step one of a three step process to an affordable mortgage payment. Expect a high interest payment on this type of mortgage because of the risk factor. Once you have your bailout loan completed and the NTS (Notice of Trustee Sale) and the NOD (Notice of Default) have been satisfied, then we maybe able to refinance you once you have made 12 payments on time with one of our (DSCR or Bank Statement Loans) non-qualified mortgage loan programs and possibly cut your interest rate in half. Of course your must be minimum credit and income qualifications, check with your loan officer about them. Most foreclosure bailout loans require at least 25-30% equity in the home in California and outside California approximately 50-60% LTV is required. While many potential borrowers do not fall into this category there are some that do and can benefit from the bailout programs, contact us we maybe able to obtain an exception. NOTE; we get people loans with really bad credit as low as 450! These loans are for business purposes or investment properties. We do not delay foreclosure sales, we do not participate in loan modification assistance, we do not offer document preparation of any type. If you have a home in foreclosure and have a pending sale date we suggest that you seek legal assistance. Sorry we do not provide referrals for legal assistance. Funding on Foreclosure Bailout Loans maybe as fast as 7 days but most commonly up to 45 days or more depending on your situation. Terms and conditions expressed in this website can be changed without prior notice and are examples of what may be possible, we make no promise or guarantee that the borrower will receive these terms and conditions. Each loan stands on it's own merits or lack there of. FREE Pamphlet Foreclosure Bailout Pamphlet Download Brochure Request a Phone Call Email Us! Start Your Loan

Access High-Balance Commercial Financing with Oak Tree Capital Loan amounts available up to $200 million, designed to support large-scale investment opportunities. High Balance Commercial Properties If your credit and/or your property are non-standard we specialize in lending up to 75% of your property value with no qualifying. Loans up to $200 million (higher case by case) Easy interest-only payment terms Bankruptcy or foreclosure O.K. Pure equity-based financing No credit or income requirements One week closing possible If you have good credit, we can finance up to 90% of the property value (up to 60% on finished lots). If you and your property qualify, we offer: Loans up to $200 million (higher case by case) Extremely competitive interest rates Up to full 30-year term Flexible underwriting criteria Fast Easy Process Rock-solid approvals with guaranteed closings Download Brochure Request a Phone Call Email Us! Start Your Loan