LENDING GUIDELINES
Fast, Flexible Loans for California Borrowers
For over 25 years, Iron Oak Home Loans has been California’s trusted source for private money lending. We offer fast approvals, flexible loan solutions, and in-house servicing, giving homeowners and investors the capital they need, without the wait or hassle of traditional banks.
QUICK START GUIDE
How It Works
- 1Submit Your Loan Request
Share property details, loan amount, and down payment/equity, fast and simple submission so we can start the review. - 2Fast Review
Our team reviews your request and provides a decision within 24–48 hours so you can plan the next steps. - 3Funding
Close quickly, often in as little as 7–10 days, with in-house servicing.
WHAT WE FUND
Loan Programs We Offer
Purchases & Refinances
First mortgages on single-family homes and multi-unit properties. Perfect for borrowers who need speed or flexibility.
Bridge Loans
Buy a new home before selling your current one. We use the equity in your existing property as part of the collateral. Interest-only, short-term, no prepayment penalty.
Fix & Flip Loans
Designed for investors and contractors making cosmetic upgrades (kitchen, bath, flooring, roofing, etc.). Short-term and streamlined for resale.
Cash-Out Refinances
Tap into your property’s equity to fund renovations, investments, or other financial needs on cash-out refinances for owner-occupied and non-owner-occupied properties
THE DETAILS
Borrower Guidelines
Property Types
Residential (SFRs, condos, multiple units)
Loan Amounts & Terms
$100,000 – $5 million, interest-only payments; 1-10 year terms
Loan-to-Value (LTV)
Up to 70%
Down Payment
Minimum 30% down
Credit & Income
All credit profiles considered; Lower credit may require larger down payment; Flexible income verification options
WHY IRON OAK
Why Borrowers Choose Iron Oak
Fast Closings
Funding in as little as 10 days
Cross Collateralizing
Use a property that you already own to add equity and strengthen your loan-to-value
Bridge Loans
Use your existing primary residence as collateral, move into your new purchase before selling your current residence
Flexible Solutions
Creative loan structures for real-world needs
California Expertise
Local lender, we visit every property we finance
Trusted Track Record
$150+ million serviced, very low delinquency
QUESTIONS
Frequently Asked Questions
Iron Oak Home Loans originates, underwrites, approves, draws loan docs, sources funds, and services all our loans. We handle everything from origination to payoff in-house.
We usually provide a decision within 24–48 hours. Many loans close in as little as 7–10 days.
No. We look at the whole picture: property value, equity, and ability to repay. Lower credit may require a larger down payment.
California properties only.
30% down, or if you own other properties, we could use the equity in those properties to close the transaction.
Property details, employment and income information. We’re flexible with verification.
Iron Oak does. All loans are serviced in-house.
Ready to get started?
If you meet the guidelines above, or you are not sure and want a straight answer, reach out and we will take a look at your scenario.
Apply Now Talk to a Loan Specialist
Iron Oak Home Loans, Inc. · Licensed CA Broker · DRE #01299684 · NMLS #356760