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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?

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Proven investment approach

Our time-tested experience and partnerships with real estate investors, developers, and builders allow us to help our clients succeed. As real estate investors ourselves, we understand your needs and challenges on a personal level.
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High-touch processes

Our direct underwriting and in-house loan servicing teams are dedicated to helping our clients succeed. We are available to answer any questions throughout the underwriting and servicing processes to ensure seamless financing throughout your project.
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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 an excellent client experience.
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Transparency

As a core value, we are transparent about our underwriting standards, term structures, and transaction fees. Nothing is hidden! We offer competitive terms and work with clients to ensure we never miss a deadline.

2,585

Loans Funded

$1.0B

Loans originated

1,228

Borrowers

Metrics as of September 30, 2024

Our Loan Process

We’re your partner throughout the process

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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.

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Step Two: Gather documentation

We will send you a specific list of what you need. Gather your financials, contract, scope of work, and budget.
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Step Three: Underwrite file

Our underwriting team will review the documentation provided and work with you to close any gaps.
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Step Four: Close

Congratulations! You’re done.  We coordinate with all parties to coordinate closing.  You just need to show up and sign.

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“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

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“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