Lone Oak
California's Bridge LenderWith offices in Los Angeles and San Francisco, Loan Oak is a direct bridge lender for California investment properties since 2003.
Our loans are non-recourse and we offer some of the most competitive rates in the industry, with loans from $1 million up to $25 million available.
We lend in first position for all commercial and residential non-owner occupied properties.
Over $6 billion funded
Over $1 billion in capital
LTV up to 60%
Rates start at 5.9%
No prepayment penalty
No 3rd party appraisal required
Lending Guidelines
- Amounts
- $1m - $25m
- Rates
- 5.9% - 7.9%
- LTV
- 60%
- Origination Fee
- 0.5% to 2%
- Term Length
- 1 to 24 months
Loan & Property Types
- Loan Types
- Refinance
- Cash-out
- Investment Property
- Purchase
- Property Types
- Mixed Use
- 2 to 4 units
- Multi-Family
- Condominium
- Single-Family
- Industrial
- Office
- Retail
- Non-Owner Occupied Residential
- Entitled Land
Loan Parameters & Fees
- Parameters
Credit check required
Interest-only loans
Lend to forgien nationals
Owner-occupied property allowed
Will lend on purchases from auctions
Does property have to be under contract
Will provide proof of funds letter
Has pre-payment penalities
Minimum FICO score
2nd position loans
Lends on land
Lends to first time borrowers
Lends on ground-up construction
EmpireFunders, 2093 Philadelphia Pike #7979, Claymont, Delaware, 19703