Welcome to Iron Oak Home Loans

Iron Oak Home Loans is a California-based private mortgage lender delivering fast, flexible financing solutions for residential and investment properties. Backed by decades of lending and real estate experience, we combine disciplined underwriting with in-house servicing to provide borrowers with certainty, speed, and transparency throughout the loan process.

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Owner-Occupied Loans

Purchase or refinance loans for borrowers on their primary residence.

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Bridge Loans

Use your existing property as collateral when buying a new property.

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Non-Owner / Business Purpose Loans

Purchase or refinance an investment property, fix-and-flip project, or even your primary residence when you have a legitimate business purpose.

New Partnership Announced

We’re excited to officially announce that SJ Morgan Private Lending Exchange is joining Iron Oak Home Loans.

Both organizations built their reputations the same way: through relationships, trust, and a commitment to completing deals correctly.

Not just fast, but with structure, clarity, and execution that clients can rely on.

This partnership allows us to expand our reach, deepen our network, and continue delivering the level of service that today’s market demands.

More access to capital. More flexibility in structuring deals. And the same disciplined approach that has always defined how we operate.

As the market shifts and certainty becomes more critical than ever, this move strengthens our ability to support our clients and partners in a meaningful way.

We’re just getting started.

Sj Morgan Joining Iron Oak home loans

The Iron Oak Way

Make Sense Underwriting

We focus on 3 main criteria in making a loan commitment: collateral, ability to repay, and the exit strategy. We engage our creative approach to try and find a way to have your loan meet these criteria for a fast and profitable funding.

Instant Approval Process

We offer instant approvals. There is no loan committee. Call us with a loan scenario, and we will qualify and approve your loan over the phone.

Fast Funding

We have the ability to fund business purpose and investment property loans in 48 hours from submission. We draw our own loan documents in house and have investors prepared to fund on a moments notice.

Fix and Flip Purchases

We specialize in fix and flip purchases. Property condition is rarely an issue, substandard and poor property condition is almost always acceptable. We offer creative options to purchase flip properties with no money down or with outside subordinate financing.

Rich Mendoza
(925) 803-2465
rich@ironoak1.com
DRE #01189248 NMLS #295452

Christy Mathers
(925) 803-2461
christy@ironoak1.com
DRE #01997767

5627 Stoneridge Dr, Suite #314
Pleasanton, CA 94588