Oak Tree Capital licensing and address information Address & Licensing Visitors by appointment only. Our Address Oak Tree Capital is located at 23046 Avenida De La Carlota Carlota Plaza, # 600, Laguna Hills, CA 92653 Visitors by appointment only. Business Hours Monday -Friday 9:00 AM to 5:00 PM Pacific Standard Time Office Phone Office (833) 464-6846 Licensing California Department of Real Estate # 01510659 National Mortgage Licensing System # 1509834 Oak Tree Capital is a DBA of Loan Key Request a Call

Oak Tree Capital Home Equity Line of Credit or HELOC loans, standalone and specialty 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 Start Your 4 Day HELOC Note: We cannot fund in the following states: Arizona Nevada New York South Dakota North Dakota Mississippi Restricted to only non-owner properties in Texas Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital offers flexible work options and a supportive platform designed to help you get started and grow—no matter your experience levels. Work with Us Whether you are a season mortgage veteran or a "newbie" we offer generous compensation. You can work as you want! Full time or part time, it's all up to you! The position is as an Independent Contractor, meaning we only pay you once you close a loan. So there's no hourly pay or salary. Only straight commission. So if it's job freedom you want then we can provide it, as we don't have production quota's If you can sell then this is position for you! Call today or submit a request and we will call you. Complete the form below and provide below the best day and time to call you. We are in California on Pacific Standard Time. Our office hours are Mon-Fri 9:00am to 5:00pm 833-464-6846 Job Application Contact Request & Upload Job Description.pdf Employment-Job-Application.pdf Once you have completed the application you can up load above or through email to: info@homeatoaktree.com and we will call you once we have reviewed it.

Oak Tree Capital Accessibility Statement is a document that publicly informs users about an organization's commitment to making its digital products, services, and content accessible to people with disabilities. Home Home Accessibility Assistance If you need assistance accessing - or have any other concerns about the accessibility of - our websites and mobile applications, please contact one of our representatives at information@oaktree.team we will work with you to provide the information you need. For those who are deaf or hard of hearing, or who do not use voice channels to communicate, please contact us via email or via 711 or other relay services. Goal of Accessibility for All We desire to provide a positive experience to all stakeholders, and we aim to promote accessibility and inclusion. Our goal is to enable our users to successfully gather information through our websites and mobile applications. Whether you are using assistive technologies like a screen reader, a magnifier, voice recognition software, or captions for videos, our goal is to make your use of our technology a successful and enjoyable experience. Actions We are actively taking a variety of steps and devoting resources to further enhance the accessibility of our websites, mobile applications, and other technology platforms, including using the W3C WAI Web Content Accessibility Guidelines (WCAG) 2.0 Level AA success criteria. Ongoing Effort Although we are proud of the efforts that we have completed and that are in-progress, we view accessibility as an ongoing effort. Feedback Please contact us at information@oaktree.team if you have any feedback or suggestions as to how we could improve the accessibility of our websites, mobile applications, and other technology platforms.

Oak Tree Capital terms of use. Terms of use are a legal agreement between a service provider and a user that outline the rules for using a product or service. They are also known as terms and conditions, terms of service, or end user license agreements (EULAs). Home WEBSITE TERMS OF USE AGREEMENT Please carefully review these terms of use before using this site. This Terms of Use Agreement (the "Agreement") sets forth the terms and conditions for your use of this web site or any related web sites (collectively the "Site"). The Site is owned and operated by Oak Tree Capital ("Oak Tree" or "We"). By using the Site, you agree to be bound by this Agreement. If you do not agree to be legally bound by this Agreement, you should exit this site immediately. We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. 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This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of this Agreement. All rights not expressly granted herein are hereby reserved. Contact Us If you have questions regarding this Agreement or the practices of Oak Tree Capital, please mail us at the following address: Oak Tree Capital 23046 Avenida De La Carlota Carlota Plaza, # 600, Laguna Hills, CA 92653 or email at brianp@homeatoaktree.com Last Updated: Jan 5 2025

Some of our recent funded loans on different property locations and types of properties across the US Deals Refinanced Rate 11.85% 24 Months Refinanced Rate 10.115% 30 Year Fixed Refinanced Rate 9.861% #0 Year Fixed Refinanced - Foreclosure Rate 12.50% 24 Month Refinanced Rate 10.865% 12 Month Refinanced Rate 10.116% 30 Year Fixed Refinanced Rate 14.5% 24 Month Refinanced Rate 13.765 36 Month More to come

Before getting started with a hard money loan, it’s important to understand how they work. These short-term loans offer fast funding and flexible qualification, but typically come with higher interest rates and fees. They’re best suited for investment properties, such as fix-and-flip or bridge financing, where speed and opportunity outweigh long-term costs. WHY HARD MONEY LOAN? Request a Phone Call Key takeaways Hard money loans are secured, short-term loans often used to finance a home purchase. Real estate investors commonly rely on hard money loans to manage multiple flip projects. Hard money loans deliver cash quickly but at a higher interest rate compared to other types of financing. Hard money loans are a way of borrowing funds over the short term. They’re especially popular with real estate investors, but they can also be a good tool for borrowers with assets, but poorer credit. Here’s what you need to know. What is a hard money loan? Hard money loans, also called bridge loans , are short-term loans commonly used by investors, such as house flippers or developers who renovate properties to sell. They might also be a solution if facing foreclosure . Hard money loans are usually funded by private lenders or investor groups, rather than banks, and use equity or real property as collateral. How does a hard money loan work? Hard money loans are secured by the property they’re tied to instead of the borrower’s credit and financial profile. The loan is typically based on the property’s value and comes with a short repayment term, usually less than a year. For this reason, they’re often sought out by those who buy homes with the intent to fix them up and sell them quickly. This presents an opportunity for the hard money lender, who (in theory) can count on getting repaid within a relatively short time. Some hard money loans are structured as interest-only loans , followed by a large balloon payment . This makes them riskier than other kinds of financing. Hard money loans vs. traditional mortgages Hard money loans are different from typical mortgages for several reasons. For one, they tend to be faster to apply for, and close quicker, too. Additionally, the repayment term on a hard money loan is much shorter than the more popular 15 or 30 years for a mortgage . “They are underwritten differently and have different requirements, and they are usually short-term, with some lasting as little as six to 18 months,” says Jeff Shipwash, CEO of Shipwash Properties LLC, a home-flipping company in Knoxville, Tennessee that often uses hard money lenders for its projects. Hard money loan interest rates are also usually much higher than those for a traditional mortgage. “Also, unlike a traditional mortgage, the value in a hard money loan deal is factored into the underwriting much more than the borrower’s credit score,” says Shipwash. Lastly, hard money lenders require a down payment, often one that’s a higher percentage than a traditional mortgage — think 30 percent at minimum, or 40 percent or more. A conforming conventional loan can be had for just 3 percent down. Hard money loans are also different from so-called soft money loans: Hard money loans are usually secured by physical assets like property and their assessed value in the form of equity. “Hard money loans are generally non-recourse,” says Mills Menser, CEO and founder of Diamond Banc, headquartered in Columbia, Missouri. That means if the borrower doesn’t repay the loan, the outcome is simply forfeiting the pledged asset.” Soft money loans are backed by the borrower’s credit. They “obligate the borrower to repay the total sum of the amount borrowed, and considerations such as creditworthiness and repayment ability are generally heavily weighted,” says Menser. “Also, with soft money loans, the borrower is responsible for the debt in the event of default, until the debt is satisfied.” What to expect from hard money lenders Hard money lenders work differently than traditional loan lenders. If you’re thinking about working with a hard money lender, there are a few things to know first: Similar to payday lenders: Like payday lenders offering personal loans, hard money lenders have little oversight or regulation to adhere to, says Bruce Ailion, a real estate attorney and Realtor in Atlanta. Higher interest rates: Hard money loans come with greater risk for the lender, which translates to a higher interest rate for the borrower. “Lenders can charge what they want for the risk they take in making a loan,” says Ailion. Shorter loan terms: Hard money loan terms typically range from a few months to a few years. Different rules: Hard money lenders are free to set their own requirements on things like credit scores and debt-to-income (DTI) ratios. Who is a hard money loan best for? The types of borrowers who tend to get hard money loans include: Property flippers Borrowers who don’t qualify for traditional loans Homeowners facing foreclosure with substantial equity in their home Property flippers People who buy properties to renovate and resell them for a profit, known as property flippers, will often get hard money financing, says Julie Aragon, a Los Angeles-based mortgage expert with Arbor Financial Group. “Property flippers like hard money loans because they can get the cash fast,” says Aragon. “This expediency is beneficial when they’re bidding on a property. They will have the advantage over someone who might need a month to close.” Borrowers who don’t qualify for traditional loans There are many reasons some borrowers don’t qualify for a traditional loan, such as a 30-year fixed-rate mortgage from a bank. These reasons might include a recent divorce that affected their credit score or the inability to document their income. For business owners, too, proving income can sometimes be challenging. “Self-employed people who write everything off might be able to afford a mortgage, but their taxes don’t reflect that,” says Aragon. “For them, hard money loans are their only option.” Homeowners facing foreclosure Although this isn’t a common scenario, some homeowners have a lot of equity in their homes but are at risk of foreclosure . Hard money lenders would consider lending in this situation if they can be assured that, should the loan go into default, they can sell the house, pay off the first mortgage and still earn a profit from the sale. Pros and cons of hard money loans Before you decide to work with a hard money lender, consider the pros and cons of this financing option: Pros of hard money loans Flexible loan terms: Hard money lenders tend to be flexible when it comes to negotiating loan terms. They don’t have to adhere to the same regulations that conventional mortgage lenders are subject to. Speedy funds: Compared with the glacial pace of traditional mortgage underwriting, hard money loans can be processed in just days or weeks. For real estate investors, speed can sometimes make all the difference when it comes to closing a deal — for example, when bidding on a competitive property at auction. Don’t require a strong credit history: You don’t need a good credit score or loads of financial documentation to get a hard money loan. While traditional mortgage underwriting focuses on borrower income and credit history, hard money lenders extend loans based on collateral, such as a house or building. For this reason, hard money lenders need to know the estimated market value (after-repair value) of the property after the planned renovations are completed. Cons of hard money loans Higher cost: Hard money loans are costly compared to traditional loans. The interest rates can be several percentage points higher than for conventional mortgages, and the upfront fees are also expensive (as high as three to five points or more). Closing costs are likely to be steep as well, and there is a significant down payment requirement. In addition, you could be charged a prepayment penalty if you pay your loan sooner than the term dictates, which can add to costs. Conservative loan-to-value (LTV) ratios: You’ll need significant assets to qualify for a hard money loan. Hard money lenders typically require a loan-to-value (LTV) ratio of about 50 to 70 percent. That’s a lot more conservative than for conventional mortgages. For instance, Fannie Mae guidelines specify an LTV ratio from 75 percent to as high as 97 percent. Hard money lending regulations: Hard money lenders are subject to federal and state laws that bar them from lending to those who can’t repay the loan. By law, hard money lenders have to establish that a borrower has the means to make the monthly payments and any scheduled balloon payment. reprinted from bankrate.com Download Brochure Request a Phone Call Email Us! Start Your Loan

Your cannabis business deserves fast, flexible capital without giving up equity. Our Working Capital solution provides non-dilutive funding you can use for any business need—from inventory and payroll to expansion and operations. Funds are deposited directly into your operating account in as little as 24 hours, so you can move quickly when opportunity hits. With transparent, predictable terms and no unnecessary hurdles, you stay in control while we keep the process simple. Cannabis Funding Flexible cannabis financing with clear, simple criteria Access the capital you need to grow your cannabis business—on your terms. Whether you're expanding operations, purchasing inventory, or bridging cash flow gaps, our flexible financing solutions help you move faster, stay competitive, and take control of your growth—without the roadblocks of traditional banking. You May Qualify If You: Operate a licensed cannabis, CBD, or hemp business Have at least 3 months of operating history Generate $15,000+ in monthly revenue Need capital to manage cash flow, fund expansion, or pay vendors Our process is fast, simple, and built for cannabis businesses. All we need is basic information and your last 3 months of bank statements. No hard credit pull No impact to your credit score No hidden fees or surprises Get approved. Review your terms. Get funded—fast. No red tape. No hidden fees. Just clear, straightforward financing. Sign your agreement and funds can hit your account as soon as the next business day—because in cannabis, timing is everything. What If You're Not Approved , We’ll explain why—and exactly what it’ll take to get there. Your advisor will walk you through the decision and help you understand what to work toward, so you can reapply with confidence when the time is right. Download Brochure Request a Phone Call Email Us! Start Your Loan

Oak Tree Capital FAQs, look up most common questions Frequently asked questions Hard & Private Money FAQs Do I need a good credit score to get a hard money loan? At Oak Tree Capital, your credit score is not the primary factor in qualifying for a hard money loan. Unlike conventional lenders who place significant emphasis on credit scores, we focus more on the value and equity of the property being used as collateral. Our hard money loans are designed to be flexible and accessible, catering to investors and borrowers who may have difficulty securing traditional financing due to credit history issues. Whether you're looking to invest in real estate, undertake a renovation project, or need quick financing for any other reason, Oak Tree Capital is here to tailor solutions that meet your needs. This approach aligns with our mission to provide diverse loan products that cater to various financial situations, including Private Money and Non-QM Loans, as well as Conventional and FHA loan products. Can I afford a hard money loan from Oak Tree Capital? A: Affording a hard money loan from Oak Tree Capital involves several considerations to ensure it aligns with your financial situation and investment goals. Hard money loans are typically short-term and come with higher interest rates compared to conventional loans due to their quicker approval process and lenient credit requirements. To determine if you can afford a hard money loan, start by evaluating the following factors: 1. Loan Terms and Interest Rates: Oak Tree Capital offers competitive rates for hard money loans, but these are generally higher than traditional mortgages. Understanding the interest rate and the total repayment amount over the loan term is crucial. 2. Down Payment and Equity: These loans usually require a significant down payment or equity in the property. Ensure that you can meet the down payment requirements without straining your finances. 3. Repayment Plan: Hard money loans are often short-term, ranging from one to three years. You need to have a clear exit strategy for repaying the loan, such as selling the property, refinancing, or utilizing the income generated from the investment. 4. Fees and Closing Costs: Factor in additional costs associated with hard money loans, including origination fees, closing costs, and potential penalties for prepayment or late payments. 5. Investment Return: Consider the potential return on your investment. A hard money loan is typically used for real estate investments where you expect a high return. Ensure that the projected profit justifies the cost of the loan. At Oak Tree Capital, our team of experts can help you navigate through these considerations and assess your specific financial situation. We offer personalized consultations to determine if a hard money loan is the right fit for you, given your unique circumstances. By carefully evaluating these factors and consulting with our specialists, you can make an informed decision about whether a hard money loan from Oak Tree Capital is affordable and beneficial for your investment objectives. Are Hard Money Lenders and Private Money Lenders the Same Thing? At Oak Tree Capital, we get asked all the time about the differences between hard money lenders and private money lenders. While the terms are sometimes mixed up, there are a few important differences. Hard money lenders are usually companies that offer short-term loans backed by real estate, often used by investors for property flips or quick investments. These loans are generally based on the property's value rather than the borrower's credit score. On the flip side, private money lenders can be individuals or businesses offering loans that are also short-term and secured by real estate. The main difference is in flexibility and where the money comes from; private money lenders might be more flexible with their terms and often tailor their financing options more personally compared to hard money lenders, who function more like traditional lenders with set policies. At Oak Tree Capital, we're all about private money and non-QM (non-qualified mortgage) loans, offering personalized and flexible loan options to suit different investment needs. We also have Conventional and FHA loan products, making us a versatile option for various mortgage needs. So, whether you're after quick financing for a property investment or a more traditional loan product, Oak Tree Capital has your back. What is the usual term length of a Hard Money Loan (HML) offered by Oak Tree Capital? At Oak Tree Capital, the usual term length of a Hard Money Loan (HML) is usually between 12 to 36 months. These short-term loans are great for quickly getting some cash to investors and property owners who need to close deals fast, renovate, or jump on other time-sensitive real estate opportunities. While our standard terms are 1 to 3 years, we know everyone’s situation is different, so we can work with you to customize the loan term based on what you need and your investment strategy. As a direct lender and broker specializing in private money and Non-QM loans, we also offer some flexibility in structuring terms to better match your financial goals. How many points and how much interest are charged on loans provided by Oak Tree Capital? At Oak Tree Capital, the points and interest rates on our mortgage products vary based on the type of loan and the individual borrower's financial profile. For our private money and Non-QM loans, points typically range from 1 to 4 percent of the loan amount, and interest rates are usually higher than conventional loans due to the increased risk associated with these products. Conventional and FHA loans generally have lower points and interest rates, reflecting their compliance with agency guidelines and more stringent borrower qualification standards. We encourage prospective borrowers to contact our loan officers for a personalized quote, as factors such as credit score, loan-to-value ratio, and property type will affect the final terms of the loan. Our team at Oak Tree Capital is committed to providing competitive rates and transparent information to help you make the best financial decision. How long does it take for a hard money loan to close with Oak Tree Capital? At Oak Tree Capital, we strive to provide a swift and efficient closing process for hard money loans (HML). Typically, it takes anywhere from 7 to 15 business days to close a hard money loan, contingent upon the complexity of the transaction and the timeliness of the required documentation. The more complex the loan the longer it takes to close. Our experienced team works diligently to expedite the process, ensuring we meet your financing needs as quickly as possible. By streamlining our procedures and offering personalized support, we aim to make the lending experience seamless and stress-free. Is an LLC Needed for a Hard Money Loan (HML) from Oak Tree Capital? No, an LLC is not strictly needed to secure a Hard Money Loan (HML) from Oak Tree Capital. While many investors prefer to use an LLC for liability protection and potential tax benefits, it is not a requirement. At Oak Tree Capital, we cater to a variety of borrowers, including individuals, trusts, and corporations. Our goal is to provide flexible, tailored financing solutions to meet your specific needs. Whether you are an individual investor or a business entity, we can work with you to find the best loan product. If you are unsure about your business structure, our experienced team can offer guidance to help you make an informed decision.

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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. OTHER LOAN PRODUCTS Request a Phone Call We also offer Conventional, FHA and VA Loan products are available in the following states: CA CO FL ID OR TX VA WA Non-QM Loan Products We can also provide our borrowers with Debt Service Coverage Ratio (DSCR) loans or Bank Statement Loans. These require more documentation that hard / private money but typically offer lower interest rates and are for 30 year fixed. These products are available in 45 states. If this is not what you were looking for we can also provide you with array or conventional, adjustable or FHA loan products please inquire with your loan officer or submit an information request here. Get Started Start Now