Oak Tree Capital privacy policy which describes both age and purpose of visiting our website and what is allowable. Website Privacy Policy Oak Tree Capital and its affiliates (collectively "Oak Tree" Lending" or "We") will treat personal data that you provide through this web site or any related web sites (collectively the "Site") according to this privacy policy (this "Policy"), which is consistent with our treatment of personal data that you provide offline to us or to our brokers and dealers. By visiting the Site, you agree to be bound by this Policy. Foreign visitors If you are visiting the Site from outside the United States, please do not provide any personal data through the Site or by e-mail, as this Policy may not comply with local laws in your jurisdiction. Children This Site is not intended for visitors under 18 years of age. We do not knowingly solicit or collect personal data from or about people under 18 years of age, nor do we knowingly market our products or services to people under 18 years of age. Personal data we collect from visitors Personal data identifies an individual by, for example, name, address, telephone number, or e-mail address. We may collect the following types of personal data: (1) if you apply for a job, your name, address, references, and employment history; (2) if you apply for credit, your name, address, social security number, credit history, and financial information, directly or through one of our brokers or dealers; (3) if you use this Site to check the status of your account, your name, account number, and other information, such as a password, to verify your identity; and (4) if you send us e-mail or request information, your name, e-mail address, and any other personal data you supply in your e-mail message. Other data we automatically collect When you visit the Site, Oak Tree Capital collects certain non-personal data by various means, one of which is "cookies." A cookie is an alphanumeric string of text (a unique identifier) that our web server stores in your computer by means of your web browser. The cookie allows us to recognize your computer when you revisit the Site. We can then improve your use of the Site, for example by providing quick log-ins, displaying only web pages that interest you, and saving you from retyping information in a form. Cookies also allow us to analyze aggregate traffic on the Site to streamline navigation and keep the content fresh for all visitors. You can configure your browser to reject cookies, but doing so may disable some of the Site's features. Cookies do not contain personal data, nor can they read or transmit any data on your computer's hard drive. They can, nonetheless, be combined with personal data that you knowingly provide, to create a profile. Oak Tree does not use cookies in this manner without your express consent. Regardless of cookies, all web browsers transmit the IP address of the computer on which they are running (so that the web server knows where to send the requested web page). We analyze IP addresses only in extraordinary circumstances to attempt to track hackers. How we use the data we collect We may use the data that you provide as follows: (1) if you apply for a job, to consider you for the position and to contact references; (2) if you apply for credit, to assess your credit-worthiness (including retrieving credit reports) and to approve or reject your application; (3) if you check the status of your account, to respond to your inquiry; (4) if you send us e-mail or request information, to reply to your request. We may also use the data that you provide to help us improve the content and function of the Site or other sites, to better understand our customers and markets, to improve our products and services, to enhance our marketing and promotional efforts, to improve product offerings, and to later contact you, electronically or otherwise, about products or services that we believe will interest you. If required by law, such communications will explain how to "opt out" of receiving future communications. You cannot, however, opt out of receiving communications about your account, such as service announcements and administrative notices. Sharing data Oak Tree Capital may share data that you provide under the following circumstances: Affiliates We may share your name, address, and information about your transactions and experiences with us (such as your payment history or other facts about your account) with our affiliates. We may also share other personal data that you provide with our affiliates in order to provide you with information about products or services that may interest you. Agents and Service Providers - In order to establish, administer, and manage our customers' accounts, evaluate credit, provide customer service and benefits, process account transactions and account statements, conduct research and analysis, or process job applications, we may disclose personal data to companies that work with us to perform services or business operations on our behalf. We may also share personal data with companies that perform marketing services on our behalf, or with other financial institutions (including insurance companies) with whom we have joint marketing agreements. Third Parties (Disclosures Permitted or Required by Law) - In certain instances, we are permitted or even required to disclose your personal data to third parties. Examples of this type of permitted disclosure are reporting information about your transactions with us to credit reporting agencies, responding to regulators or auditors, protecting against fraud, or providing information in connection with proposed or actual business transactions involving our companies or accounts. We may also disclose your personal data to third parties when legally compelled to do so, or when we believe that such disclosure is appropriate to comply with the law, to enforce our terms of use, or to protect the rights, property, or safety of Oak Tree Capital, its employees, customers, visitors to the Site, and others. Please be aware that these disclosures are permitted by law without your consent. Business Transfers - As we develop our business, we may sell or buy businesses or assets, or be involved in mergers or other corporate reorganization. In transactions such as these, your personal data may be one of the transferred business assets. Other Third Parties (Optional Disclosures) - We may share, as permitted by law, your personal data with third parties with whom we do not have joint marketing agreements, such as other financial service providers, insurance companies, or non-financial companies such as service organizations, retailers, travel services or direct marketers. These companies may wish to provide you with information about products or services that may interest you. Option for our Consumer Customers: If you are a consumer (as opposed to commercial) customer of Oak Tree Capital, you may direct us not to share personal data with other third parties, except as permitted by law, by sending an e-mail to information@oaktree.team Security Oak Tree Capital uses reasonable measures to protect personal data from unauthorized access, deletion, or alteration. Any information you provide on an on-line Oak Tree Capital form (such as a job or credit application) is encrypted. Any personal information that Oak Tree Capital electronically transmits to you at your request (such as your account balance) is encrypted. E-mail communications are not encrypted. Therefore, you should not send any personal data by e-mail. Oak Tree Capital will never send you e-mail requesting personal data. Public areas Oak Tree Capital does not control and is not responsible for other visitors' treatment of information that you post on public areas of the Site. For example, such information may be collected and used by others for their own purposes, including sending you unsolicited e-mail. Your access to personal data If you wish to review, correct, or remove personal data that you provided to Oak Tree Capital, please send an e-mail to information@okatree.team Links The Site may have hyperlinks to or pop-up windows from other websites. Oak Tree Capital is not responsible for their content or privacy practices. We urge you to review the privacy policy of any web site that you visit. Notices and revisions Oak Tree Capital may revise this Policy from time to time. You should periodically check the revision date at the top of this web page to learn of any revisions. Your use of the Site at any time is deemed acceptance of the Policy then in effect. If you have questions about this Policy, Agreement or the practices of Oak Tree Capital, please mail us at the following address: Oak Tree 22982 La Cadena Dr Suite 1 Laguna Hills CA 92653

Church mortgages provide financing for faith-based organizations to purchase, refinance, or expand properties. These loans offer flexible terms tailored to church income and needs, helping congregations secure or improve their facilities while supporting long-term growth and stability. Church Loans 5, 7, 10, 15, 20, and 25-Year Fixed Rate Church Loan Options Church Loans Available from $200k to $50MM Refinance, New Construction, Renovation, and Property Purchase Free No-Cost No-Obligation Assessment of Your Church Loan Needs 24-Hour Processing of Your Church Loan Assessment Request No Up Front Costs and No Personal Guarantees We finance Christian Churches, Schools, and Ministries Download Brochure Request a Phone Call Email Us! Start Your Loan

Investment property loans with rates starting in the 8% range, up to 90% LTV, and fast closings in as little as 2 weeks. Ideal for investors seeking flexible, efficient financing. INVESTMENT PROPERTY LOANS Providing Everything You Need 30-Year Fixed ! No Balloon Payment Interest Only payments up to 10 Years LTV's UP to 75% Quick qualification based on property value or Request a Call OTC Investor Brochure 2022-25.pdf PRO LOAN Allows borrowers to finance improvements Great for borrowers who need a quick close An interest only for 1 year term lowers monthly payments A higher LTV than hard money Available for 1-4 properties (SFR, Condo and 2-4 units) or Request a Call OTC Investor Brochure 2022-25.pdf SHORT TERM BRIDGE LOAN Interest Only for 24 Months Available for purchase or cash out refinance Prefect for acquiring or levering real estate holdings Bridge to sell after Rehab Bridge to rent after Rehab Available for investor 1-4 (SFR, Condo, and 2-4 Units) or Request a Call OTC Investor Brochure 2022-25.pdf FAST 50 Great for borrowers with recent BK or NOD No seasoning of ownership required Derogatory mortgage history is OK Available as a 30 year fixed Investor 1-4 Unit Multi-family Mixed use Commercial (Office, Retail, Warehouse, Storage & Automotive) or Request a Call OTC Investor Brochure 2022-25.pdf BLANKET LOANS Loan Amounts 75,000 to 5,000,000 75% LTV/Cash Out of Purchase Up to 10 Properties per Blanket Reduced Fees for additional properties Available Nationwide 2 Week Closings All properties must be in the same county If it's a purchase all properties must have the same seller. or Request a Call OTC Investor Brochure 2022-25.pdf FOREIGN NATION 75% LTVs No U.S. Credit required (max 65%) 30 Year Fixed 2 Week Closings Investor 1-4 Unti (SFR, Condo & 2-4 Units) Multi-Family (5+ Units) Mixed Use Commercial (office, retail, warehouse, self-storage & automotive) or Request a Call OTC Investor Brochure 2022-25.pdf LARGE COMMERCIAL - RESIDENTIAL Loan Amounts from $10,000,000 to $200,000,000 ($10,000,000 Minimum) 75% LTVs for Non-Standard Credit and Properties 90% LTVs for Good Credit and Select Properties Finish Lots up to 60% Bankruptcy or Foreclosure Okay Possible No Credit or Income Can be used for Commercial Office Building Multi-Family Apartment Complexes Retail Assisted Living Industrial Warehouse Land (development & agriculture) Mobile Home Parks or Request a Call OTC Investor Brochure 2022-25.pdf

Oak Tree Capital loans on agriculural, farm and ranch properties in all 50 states, with closing times between 3 to 6 weeks upto 25M and upto 65% LTV! AGRICULTURAL - FARM - RANCH Request a Phone Call Get Started Start Now Sample Terms Property types: Ag-related Closing fast as 3 to 6 weeks Min Loan Size: $100K Max Loan Size: $25M Max LTV: 65% Max Land LTV: 55% Interest Rate: 7.99%-12% Points: 3 to 6 PPP: Possible Term: 12 to 60 months

Oak Tree Capital offers Private / Hard Money Loans, we are uniquely positioned to help you as we a direct lender and a mortgage broker. So we can find the loan to best fulfill your needs. Call to talk to a Mortgage Professional 833.464.6846 There are different types of private / hard money lenders. Choose the one that knows the products and where to get the best loan for your needs. At Oak Tree Capital we are both a direct lending partnership — and a broker — uniquely positioned to assist you with the right loan. We have been in the mortgage business for over 25 years. or Request a Call Get Started Start Now Church Loans Soft Money Loans SBA Loans Other Loan Products Start Your Loan Fix & Flip Loans Ground Up Construction Loans Cash Out Refi Loans Commercial Bridge Loans Commercial & Land Foreclosure Bailout Loans Refinance Loans Home OTHER LOAN PRODUCTS Get Started Start Now 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. Request a Call We are looking Sales Executives Call Today (no experience required) 833-464-6846 Join the TEAM! Request a Call More information

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Oak Tree Capital offers loan solutions for rental property owners—whether you have one property or a growing portfolio. We’re ready to secure the financing you need. RENTAL PORTFOLIO Request a Phone Call Start Your Loan Start Now SAMPLE TERMS Property types: SFR (1-4), Condos Closing fast as 2 to 4 weeks Min Loan Size: $50k Max Loan Size: $50M Max LTV: 80% Max Land LTV: None Interest Rate: 5%-9% Points: 1 to 2 PPP: 12 to 54 months Term: 60 to 360 months

Oak Tree Capital fix and flip loans. In need of short-term financing? We're proud to serve as a leading lender in fix-and-flips loans. FIX & FLIP LOANS Request a Phone Call Start Fix & Flip (remodel too!) Minimum Credit 660 Up to 75% of ARV Up to 92.5% of LTC 100% Reimbursement on Draws $75-$50M Loan Size 12-24 Month Terms SFR, Multi-Fam or Condo No Pre-Payment Penalty Extensions Available Blanket Loans Available Apply Now

Oak Tree Capital resources and documents FREE for your use. Realtors contact us and we offer FREE private labeling these document for you. RESOURCES - FREE! Request a Phone Call The Home Appraisal Process How Your Credit Score is Determined How a Mortgage is Calculated Dos & Don'ts While Closing a Mortgage 14 Mortgage Facts Pre-Qualified vs Approved Are Your Ready to Buy a House? House Selling Tips Taking Care of Your Credit Top House Hunting Mistakes What is a Mortgage Broker? What is Escrow? Mortgage Documents Loan Application for Hard Money This document must be completed in your handwriting and notarized Commercial Loan Application Attestation & Affidavit

Oak Tree Capital offers Business AR/Inventory/Equipment Loans/Lines. Business AR/Inventory/Equipment Loans/Lines Request a Phone Call Get Started Start Now Collateral: Unsecured, UCC, 2nd or 3rd Closing fast as 1 to 3 weeks Min Loan Size: $50k Max Loan Size: $10M or more Points: 0 to 3 Term: 3 to 48 months

Oak Tree Capital offers SBA loans. SBA Property types: Owner Occupied Commercial Only USDA Property types: Commercial (no land) Closing fast as 4 to 6 weeks Min Loan Size: $350k Max Loan Size: $15M Max LTV: 90% Interest Rate: 5.25%-7.99% Points: 0 to 3 PPP: Yes Term: 60 to 120 months SBA Loans Request a Phone Call Get Started Start Now SBA 7A & 504 / USDA B&I SBA Property types: Owner Occupied Commercial Only USDA Property types: Commercial (no land) Closing fast as 4 to 6 weeks Min Loan Size: $350k Max Loan Size: $15M Max LTV: 90% Interest Rate: 5.25%-7.99% Points: 0 to 3 PPP: Yes Term: 60 to 120 months

Oak Tree Capital line of credit. Unlock fast, flexible financing with our private credit line, where you only pay interest on the amount you withdraw. It's a perfect option for those with specific funding needs who don’t require the full amount upfront. PRIVATE LINE OF CREDIT Request a Phone Call SFR Rental Purchase Line of Credit (sample terms) Property types: SFR (1-4), Condos Closing fast as 2 to 4 weeks Min Loan Size: $1M Max Loan Size: $50M Max LTV: 70% Max LTC: 80% Setup Cost: $5K-$15K for legal Interest Rate: 8%-10% Points: 3% on each draw PPP: None Term: 18 with 12 month draw months Start Your Application Start Now