Let’s Grow Together.

Whether you’re a real estate professional, financial advisor, CPA, or trusted community resource — we help you serve your clients better and expand the value you provide.

Become A Partner

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.

White Oak Standard - Guidance Advisors Can Rely On

Join The New Standard

Brokers + Real estate Professionals

Send us loans outside your scope (private money, DSCR, complex files)and we’ll get them closed — with full transparency and payout.

Financial Advisors, CPAs, And Service Providers

If your clients need home loans, refinances, or investment financing, we’ll handle the lending with the same care you handle their finances.

What You Can Refer To Us

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)

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

Who can become a referral partner with White Oak Holdings?

We work with real estate agents, brokers, loan officers, financial advisors, CPAs and other professionals who regularly come across clients in need of financing.

Do I need a license to refer business?

This would depend on the loan type you are referring — compensation for referrals is paid only in compliance with DRE and NMLS regulations. If you’re unsure of your eligibility, contact our team.

How do I submit a referral?

You can submit directly through our online intake form, send us an email, or give us a call. If it’s your first time, we’ll onboard you into our system and guide you through the process step by step.

How quickly will my referral be contacted?

Within 24 hours. Once your submission is received, our team reaches out directly to the borrower (or you, depending on your preference) to begin the process.

How and when will I be compensated?

Referral compensation is disclosed upfront and paid at closing in full compliance with California state and federal regulations. You’ll receive a confirmation of your referral agreement for each deal.

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.