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We are Financing Experts for your real estate investments

Real financing strategies for real estate investors that work in the REAL world.

Pine Financial Group, LLC is a full service mortgage company focusing on the needs of real estate investors. With an extensive background in alternative financing sources, Pine Financial Group can help you close your next deal.

Let’s face it, as real estate investors we are faced with some unique challenges in today’s market. Financing is tougher and tougher to get and investors are getting squeezed out of the market. Rates are down, home prices are down, but how do we take advantage if we can’t get loans? If you want to make money in this business, you need to get your arms around the financing, and why go at it alone? Why not put a proven professional on your team?

Here is just some of the ways we can help you make money in this business:

Private Lending: Do you want to invest in real estate without any of the work and very little risk?  Do you have a line of credit or cash not working for you?  If you are not earning double digit returns on secured investments you are missing out on easy profits.  Pine Financial Group, LLC can help you loan your money to real estate investors, helping you limit your risk and maximize your returns.

Rehab loans: We have private money available to help you with your next rehab project.  We are one of very few fully licensed and insured companies lending in Colorado today.  We are also one of even fewer that actually has a steady flow of money to loan out.  We can loan you the purchase price plus loan you the money for the repairs on your next project.

Conventional Loans: Because we are a full service mortgage company we offer all the loans any other mortgage companies can offer. A conventional loan is a loan that will fall under the Freddie Mac/Fannie Mae guidelines. We work with conventional lenders that have investor friendly loans. For example, in most cases we can finance properties based on the appraised value with no title seasoning, we can finance properties that were recently listed in the MLS, and we can finance properties that were recently in a trust or LLC.

Portfolio Loans: A portfolio lender loans their own money and keeps the loan in their portfolio. Because these loans do not get sold, they do not fall under the Fannie/Freddie guidelines. Ever wonder how someone can own more than 4 properties? These lenders also do loans in a business name (never shows up on your personal credit report), they can do several properties in one loan (known as a blanket loan), and they can finance an unlimited number of properties. Pine Financial Group has relationships with several local portfolio lenders.

IRA Loans: Did you know you can make loans or buy property in your IRA and never pay taxes on the gains? Did you know you can actually finance properties that you buy in your IRA? It is required that these loans be non recourse, meaning you cannot be personally liable. For this reason it is a very difficult loan to find.

Education and Consultations: Most consultations are free if we are working on a loan together. If you need someone to hold your hand through a lease option, subject to or other creative financing strategy that does not require a loan, we would be happy to do that for a fee. Contact us for more information. Pine Financial does educational classes and courses. Contact us for details.

We want to be on your team and help you be successful.
Contact us today to find out how we can help.