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START YOUR JOURNEY

We deliver customized real estate lending solutions for our clients who build, develop, and renovate properties.

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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?

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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.

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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.

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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.

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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

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Fix & Flip Calculator

Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.

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Max Offer Worksheet

This worksheet walks you through calculating the maximum price you should pay for a property.

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Scope of Work Spreadsheet

This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.

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MAO Calculator

This calculator will help calculate your maximum offer price and return on investment with a rental property purchase.

“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 

The Power of Mastermind Groups: A Personal Journey 

"In every instance where you find a man (or woman) of outstanding achievement in any calling, you will find that he has been a success due to a mastermind alliance." – Napoleon Hill  Napoleon Hill, author of the seminal work "Think and Grow Rich," dedicates an...

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The Value of Values

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...

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Want To Make Millions? Level Up Your Problem Solving.

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...

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Can You Add Renovation Costs To Mortgage?

Can You Add Renovation Costs To Mortgage?

Takeaways from "Can You Add Renovation Costs to Mortgage?"FHA 203(k) Loans: Combine home mortgage and renovation costs into one loan, available for primary residences with a minimum down payment of 3.5%.Fannie Mae HomeStyle Renovation Loans: Cover various renovation...

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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.