FAST, FLEXIBLE CAPITAL SOURCING FOR REAL ESTATE INVESTORS + DEVELOPERS

Private Money + Investment Property Loans $150K to $50M+. Close quickly, flexible guidelines, no red tape.

Who Do We Serve

At White Oak Holdings, Inc., we cater to a diverse clientele—ranging from first-time buyers and emerging investors to elite developers shaping skylines. Our clients choose us for our exclusive access to premier capital partners and our unmatched expertise at every stage of the real estate journey. We don’t just facilitate transactions—we curate exceptional financing experiences.

Built to take you higher.
No one wins afraid of losing.

Lets Get Started

Loan Products

Private Money

Residential Business Purpose Bridge Loans from $100k - $25M+
Residential Owner Occupied Bridge Loans From $250k - $10M+
Commercial Bridge Loans from $250k - $50M+
Enititle + Raw Land Loans from $250k - $50M+
Residential Construction Loans from $500k - $50M+
Residential Rehab Loans from $100k - $20M+
Commercial Construction Bridge Loans $1M - $20M+
Commercial Repositioning Bridge Loans $500k - $20M+
Commercial + Development Preferred Equity Loans $1M - $5M+

DSCR + Home Lending

1-4 Unit DSCR Loans from $100k - $10M+
5+ Unit MFR Loans From $250k - $25M+
Commercial DSCR Loans from $750k - $20M+
Conventional Home Loans from $250k - $25M+
Bank Statement + Asset Qualification Loans from $250k - $25M+
P&L Only Loans from $250k - $5M+
Fannie Mae + Freddie Mac Loans Up to $1.25M for SFRs in some counties
FHA Loans Up to $1.25M for SFRs in some counties
VA Loans up to $4M+

Leadership

Joe Gorman

Principal - Investor Relations
d: 626-988-9560 m: 626-862-0696
joe@whiteoakholdings,com

With over four decades of real estate investment and lending experience, Joe Gorman co-founded White Oak Holdings to deliver high-touch, capital-efficient solutions to a wide range of borrowers. His leadership is rooted in deep industry knowledge, strategic capital relationships, and a commitment to execution. Prior to White Oak, Joe co-founded C&G Capital Advisors, securing over $50 million in investor capital to acquire, renovate, and resell 150+ residential assets in Southern California. He also served as CEO of South Lake Financial, overseeing a portfolio of mortgage companies managing thousands of residential loans and more than $100 million in credit facilities.

Harrison Gorman

Principal - Lending Operations
d: 626-988-0561 m: 626-755-5526
harrison@whiteoakholdings,com

With over 10 years in residential and commercial lending, Harrison co-founded White Oak Holdings to deliver a better loan experience for borrowers of all backgrounds. He leads lending operations, strategic partnerships, and marketing, with a focus on creative deal structuring and practical solutions. Prior to White Oak, Harrison worked as a residential loan officer at South Bay Equity Lending and a commercial loan officer at Mansfield Equities. He currently manages an active loan pipeline ranging from $25M to $100M in volume.
DRE #01987740 | NMLS #1538838

Your questions answered

How fast can White Oak fund?

Depending on the loan type and location, we can fund in as little as 5 days with Private Money and as little as 21 days with DSCR & Home Loans.

What documentation is required for Private Money?

Typically, private lending focuses on credit, liquidity, and collateral. Tax returns are almost never required.

What property types can White Oak lend on?

We have lent on virtually every property type. Some of the more unique property types include: Gas Stations, Car Washes, Raw Land, and Cannabis.

Can I invest in White Oaks closed loans?

Yes, we occaisionally have openings for new investors looking to place capital. Keep your eyes peeled, space usually runs out quickly.

Does White Oak lend nationwide?

White Oak has capital sources all across the United States. We can close most business purpose investment loans nationwide.

Does White Oak protect brokers?

White Oak values every one of its broker relationships by tracking referring partners clients and ensuring brokers are never cut out of their own deals.

How long does it take to get a term sheet?

White Oak can typically get a term sheet out in 24 - 48 hours depending on the loan type and capital source.

Is White Oak a direct lender?

White Oak operates as a Mortgage Broker with capital sources ranging from private investors, REITs, Funds, Banks, Creit Unions, and more.