START YOUR JOURNEY
We deliver customized real estate lending solutions for our clients who build, develop, and renovate properties.
INVESTORS
Our portfolio of senior-secured loans provides investors with stable returns, monthly income distributions, and diversification.
Pine Financial Group Approach
We deliver customized real estate lending solutions for our borrowers who build, develop, and renovate properties. We take a collaborative approach, working one-on-one with clients to close deals and help them succeed. Our underwriting and real estate investment expertise has helped shape our disciplined approach to lending. Our mortgage portfolio offers stable returns to those seeking passive investment opportunities in real estate.
The Pine Advantage
Why Pine Financial?
Experienced real estate advisors
We leverage our time-tested experience as real estate investors to help clients close their deals. We work with clients to find the right loan to reach their unique financing goals.
Flexible, alternative financing solutions
We leverage decades of underwriting experience to deliver optimal financing solutions to our borrowers. We are dedicated to excellent customer service and offer robust portfolio management.
Stable returns and monthly distributions
Our portfolio of fixed-rate, first lien mortgages provides investors with consistent cash flows and returns, low volatility, security in the capital stack, and diversification.
Accessible investment structure
We provide individual and institutional investors of all sizes with a broad array of investment opportunities and structures with low minimum commitments.
2008
Founded
$207.5MM
Capital Under Management
$1.0B
Loans Originated Since Inception
1,228
Borrowers
Metrics as of September 30, 2024
TOOLS + RESOURCES
Tools to start your journey
Fix & Flip Calculator
Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.
Max Offer Worksheet
This worksheet walks you through calculating the maximum price you should pay for a property.
Scope of Work Spreadsheet
This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.
MAO Calculator
“Pine Financial Group is an excellent fit for my business needs. They understand our local economy and my business. Pine provides personalized service, attention to detail and more importantly, no surprises at the closing table! I can have greater confidence in my business growth plans with Pine Financial as part of my professional team. If you are looking for a long-term partner to take care of your lending needs, look no further.”
–Glen Ramsey, Aspire Properties, LLC
Expert Insight
Lean on our expertise
The Power of Mastermind Groups: A Personal Journey
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Why Mortgage Rates May Not Come Down, Even with a Fed Cut
I received an enormous number of questions this last month about interest rates, many focused on why the Fed elected not to lower interest rates in July and more questions about emergency cuts. When is good news actually bad news and when is good news really...
The Value of Values
“I felt the positive energy the second I walked through the door,” Ryan says as I shake his hand to introduce myself. Ryan is a 19-year-old entrepreneur student from New Hampshire. I agreed to allow him to shadow me for a day for college credits. The day started with...
Building Or Buying? The Only Two Ways To Produce Passive Income
Understanding Passive Income Passive income is the only way to create a truly financially free life. I learned this lesson early from Rich Dad Poor Dad as many of us have. Robert Kiyosaki teaches us that the goal for financial freedom is to get out of the “rat race.”...
Want To Make Millions? Level Up Your Problem Solving.
I was at an event in Vegas when more than 50 high achieving real estate investors wanted to grab dinner together. The restaurant was Fogo De Chao. A few of us arrived early because I had a plan to meet with the $100 million man. I will call him M for privacy. M and I...
Can You Add Renovation Costs To Mortgage?
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Core Geographic Regions
Colorado
We lend statewide in well-populated areas. Pine Financial Group was formed in Denver by a Colorado native with extensive experience in personal real estate investing. We understand the Colorado market and have originated over $667MM of loans in Colorado as of June 30, 2024.
Minnesota
We have been partnering with real estate investors and lending in Minnesota since 2012. We have on-the-ground expertise and have funded over $203MM of loans for real estate investors as of June 30, 2024.
Wisconsin
We have been partnering with real estate investors and originating loans in Wisconsin since 2017. We have originated over 200 loans in this core geographic region as of June 30, 2024.
Washington, D.C.
In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.
Maryland
D.C. Metro Area – In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.
Virginia
D.C. Metro Area – In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.