Loan options
Since 2008, Pine Financial Group has expanded its footprint to four core geographic regions, exercised disciplined underwriting, and actively managed its portfolio. Our time-tested experience and partnerships with real estate investors, developers, and builders allow us to deliver value to our clients.
Loan Types
Our array of loans are designed for all your financing needs
We work closely with each client to structure thoughtful solutions and provide flexible, alternative financing sources. Beyond originating a loan, we work with clients as experienced real estate advisors to help you close your deal and help you succeed in your rehabilitation projects.
Dedicated team
When you work with us you will enjoy an efficient and personalized lending experience. We only succeed when you succeed. Contact us with any questions you may have!
Rehabilitation loans
100% financing for real estate investors. This loan provides funding for the purchase price and rehabilitation costs, up to 70% of the property’s after repair value.
90% Acquisition loans
This loan provides borrowers with 90% of the property purchase price up to 70% of the property’s after repair value.
90-90 loans
A hybrid between our 90% Acquisition Loan and Rehab Loan products, the 90-90 Loan provides the benefit of funding the lion’s share of the rehab cost at a lower cost than the Rehab Loan.
Bridge loans
Bridge loans are used by real estate investors to cover the gap between the purchase of the property and their long-term financing solution.
Construction loans
This loan provides borrowers with financing to cover the cost of acquisition of land and development.
Flash Cash loans
This loan is used by real estate wholesalers to fund double closings. This product is available nationwide.
IRA loans
Have you ever thought about accelerating your retirement by fixing and flipping properties inside your IRA? This is a highly specialized loan offered by only the most experienced lenders. Find out how we can help you with your next IRA loan today.
INVESTMENT & LENDING KNOWLEDGE
Partnering with real estate investors every step of the way
Real estate investors face unique and evolving challenges when it comes to financing their real estate projects. We are dedicated to helping our clients succeed, leveraging our personal experiences as real estate investors. We have closed over 2,500 transactions since inception in 2008 and are eager to work with you to help meet your unique needs.
Questions? Get in touch
Tel: (303) 835-4445
The Pine Advantage
Why Pine Financial for your hard money loan?
Proven investment approach
High-touch processes
Flexible, alternative financing solutions
Transparency
2,654
Loans Funded
$1.01B
Loans originated
1,283
Borrowers
Metrics as of March 31, 2025
Our Loan Process
We’re your partner throughout the process
Step One: Complete application
Get pre-approved today or complete a full application for a specific deal. Documentation can be uploaded to our secure portal. There is never a fee for a pre-approval and getting that approval allows us to send your loan commitment letter.
Step Two: Gather documentation
Step Three: Underwrite file
Step Four: Close
“Justin is not only familiar with real estate investing, but very personable with an incredible knack for connecting people. The Northern Colorado Real Estate Investor’s Happy Hour was fantastic! I’ve already recommended him to my colleagues, and am looking forward to future events.”
– Brad Woodward
“Kevin and his team have been exceptional in regard to my mortgage needs and in helping to educate me in the entire process. I have been highly impressed with Pine Financial in general and would highly recommend them to anyone.”
– Rob Hale