Owner-Occupied Loans
Purchase or refinance loans for borrowers on their primary residence, a clear path forward when conventional financing doesn’t fit the timeline or the file.
Explore optionsCalifornia Private Money Lender · Since 1998
Private money, funded with certainty.
Iron Oak Home Loans is a California-based private mortgage lender delivering fast, flexible financing for residential and investment properties, pairing disciplined underwriting with in-house servicing to give borrowers and investors speed, structure, and transparency.
DRE #01299684 · NMLS #356760 In-house underwriting & servicing Borrower & investor solutions
For Borrowers
Loan programs built for real-world timing
Whether you’re buying, refinancing, or bridging between properties, our programs are designed to move at the speed your deal demands.
Bridge Loans
Use the equity in your existing property as collateral to buy your next one, so you can make a strong, non-contingent offer and sell on your own timeline.
How bridge loans workNon-Owner / Business-Purpose Loans
Purchase or refinance an investment property, a fix-and-flip project, or your primary residence when there’s a legitimate business purpose.
See guidelinesWhere would you like to go?
One lender, three ways to work with us
For Borrowers
Fast, flexible financing for primary homes, bridges, and investment properties.
Borrower hubFor Investors
Put capital to work in California real estate, through the fund or deal-by-deal.
Investor hubFor Brokers
A relationship-driven partner with the capital and flexibility to get deals done.
Broker hubFunding California since 1998In-house underwriting & servicingBridge · Owner-Occupied · Business-PurposeLicensed CA Broker · DRE #01299684
The Iron Oak Way
Private lending, done the right way
For Iron Oak, lending is about more than rate sheets. We build reputations the same way we close deals, through relationships, trust, and a commitment to getting it right. Not just fast, but with the structure, clarity, and execution that borrowers, brokers, and investors can rely on.
For Investors
Put capital to work, backed by real estate
Two ways to participate in private lending with Iron Oak: diversified, hands-off exposure, or invest deal-by-deal.
The Iron Oak Mortgage Fund
Professionally managed private-lending exposure with an 8% preferred return paid monthly. Capital is deployed through the fund, with no per-loan wiring required.
Explore the fundTrust Deed Investing
Invest in individual loans secured by California real estate, with full deal details provided so you can make an informed decision on each opportunity.
Learn about trust deedsWhy Iron Oak
Certainty, speed, and people who answer the phone
Speed
Quick closings when timing makes or breaks a deal.
Certainty
Disciplined underwriting and clear, dependable terms.
In-House Servicing
We service what we originate, one team, start to finish.
Relationships
Deals done the right way, built on long-term trust.
Our People
Meet the people behind Iron Oak
Experienced, relationship-driven professionals across origination, servicing, and fund management, the team that gives borrowers and investors a direct line and a steady hand.
Have a scenario you’d like us to look at?
Send it over and a loan specialist will review it, fast, with structure and certainty, the Iron Oak way.