Have you been turned down for a loan by a conventional lender?
We can do loans that they can't!​

  • Self-employment is OK!

  • No Proof of Income is OK!

  • Bad Credit Score is OK!

  • Easy Application Process

  • Quick and Experienced Staff

  • Honest, Efficient and Reliable

  • Foreclosing Property

  • Churches

  • Mixed Use

  • 2nd position loans

  • Currently in Foreclosure


Oak Tree Financial is a mortgage broker performing asset-based lending on a large variety of residential,

commercial, and industrial properties throughout the USA for the benefit of a diverse group of borrowers, we can lend to Non-owner occupied property owners in 45 states!


We routinely assist borrowers who are individuals, corporation, limited liability companies, trusts, estates,

probates, foreign nationals, as well as other types of borrowers who do not meet the very strict

underwriting guidelines of traditional or conventional lenders.

Since we are a mortgage broker, we have access to over 35 different and diverse investors and lenders, we are not

confined to the rules and guidelines as are direct lenders. We can shop your loan and bring you the

best possible loan for your unique situation. Which translates into a quick, fast and efficient process

to approve your loan and get it funded fast! In loan transactions, our focus is on the current value

of the property, the purpose of the loan and your ability to repay the loan.  We are honest, efficient

and reliable, and have a staff with over 50 years of combined mortgage and real estate business is

testament to our commitment to our clients.

Loan Program Highlights​

No FICO credit score minimums

Loan amounts from $20,000 to $10,000,000

Loan-to-value ratios up to 75%

Loan terms from 2 to 7 years

We originate 1st & 2nd Trust Deeds

As fast as closings within 7 business days

What Every Borrower Should Know