Delivering A Better Home Loan Experience

Personalized guidance. Competitive rates. No surprises.

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.

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Loan Products + Qualification

Personal (+Business) Tax Returns

Conventional Home Loans from $250k - $25M+
Fannie Mae + Freddie Mac Loans Up to $1.25M for Single Family Residences in some counties
FHA Loans Up to $1.25M for Single Family Residences in some counties
VA Loans up to $4M+

Alternative Documentation

Bank Statement Loans from $250k - $25M+
Asset Depletion Loans from $250k - $25M+
CPA prepared P&L Only Loans from $250k - $5M+
1-4 Unit DSCR Loans from $100k - $10M+ (Investment Property Only)

Owner-Occupied Bridge Loans

Residential Owner Occupied Bridge Loans From $250k - $10M+
(Cross Collateralization Available)

HELOCs/HELOANs

Conventional HELOAN + HELOC from $150k - $1M
Bank Statement + Asset Based HELOAN + HELOC Loans from $150k - $1M
1-4 Unit DSCR HELOAN Loans from $150k - $1M+ (Investment Property Only)
Private Money 2nd (Business Purpose Only)

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

Do you work with first time home buyers?

Yes — and we’ll walk you through every step of the process.

I’m self-employed. Can I still qualify?

Absolutely, we offer a full range of products specifically curated for self-employed borrowers.

What’s the minimum credit score I need?

It varies depending on the loan product, if your credit is not quite enough we will still give you a quote with a benchmark to hit for prequalification.

Can I get pre-qualified before finding a property?

YYes — in fact, we recommend it. It strengthens your offers and saves time.

Can I get a loan with less than 20% down?

Yes. We offer loan programs with as little as 3%–5% down for qualified buyers, including first-time homebuyers.

How long does the loan process usually take?

Most home loans close within 21–30 days. We can often move faster depending on your situation and the property.

Do you work with clients outside of California?

We’re licensed in California and work with trusted partners in other states. If you're outside CA, reach out — we’ll guide you to the best path forward.

Is White Oak a banker or a broker?

White Oak is an independent mortgage brokerage. That means we work with a network of lenders to shop for the best loan options on your behalf — rather than being tied to just one bank’s programs. You get more flexibility, competitive rates, and a process that’s built around your needs.