Need Capital for Your Next Deal?

Meet Your New Secret Weapon in Real Estate Investing

Getting funding shouldn’t be a battle. At Fair Oaks Funding, we’re not just lenders—we’re real estate investors. And here’s your edge: you’re backed by an attorney with 20+ years of lending experience and a licensed residential contractor who has flipped hundreds of homes. That means every deal you bring us gets a level of scrutiny, guidance, and support you won’t find anywhere else.

With 24-hour approvals*, quick closings*, and zero red tape, we make funding fast, easy, and reliable—so you can focus on closing deals and growing your business. When you are looking to fund deals, Fair Oaks Funding helps you build wealth with reliable capital backed by experience.

*Dependent upon documentation submission by the borrower and speed of closing agent.

Competitive rates, no red tape, and a lender who supports your success.

Fast. Flexible. Hassle-Free Funding.

—we guide you to set up your deal for success

Why Do Borrowers Trust Fair Oaks Funding?

Because We Keep It Real

In fact, let’s dig into it right now.

Foreclosure. It’s the last thing on your mind when you’re locking down a deal, lining up your funding, and picturing the payday ahead.

So why are we talking about it?

Here’s the truth: we’ve never had a foreclosure, and we don’t plan to start now. That’s not luck—it’s because we don’t fund bad deals. Not for us, and not for you.

That’s what integrity in lending looks like.

We’ve turned down deals—even when we could have made money—because the margins were too thin for the borrower. Because your success is our success.

And when you work with Fair Oaks Funding, you get more than just money. You get two powerhouse women who’ve got your back.

Mary brings decades of lending and legal expertise, structuring deals that protect your profits and keep you moving forward.

Patty brings tons of hands-on experience in flipping and construction, knowing exactly what it takes to make a project work—and when to walk away.

What This Means for Your Deals

(and Your Profits)?

You can find a lender anywhere. At Fair Oaks Funding we are your trusted partners in real estate investing. With decades of experience in lending, construction, and deal structuring, we ensure that every deal we fund is set up for success!

Quick Approvals & Funding

Get your deal closed without delays.

Experience Where It Matters

Attorney + Licensed residential contractor on your side. 

Real Support & Guidance

We help you negotiate, plan, and succeed.

Investor-Friendly Terms

Loans designed specifically for fix & flip and new construction investors.

Who Are These Powerhouse Women Anyway?

Mary Hart

The Legal & Lending Strategist

With over 20 years of private lending experience and 34 years as an attorney, Mary Hart has seen it all—and she’s built a reputation for structuring rock-solid deals that protect both investors and borrowers. Her zero-foreclosure track record isn’t an accident—it’s the result of careful underwriting, smart risk management, and an unwavering commitment to integrity.

Mary didn’t set out to be a lender, but when a fellow investor asked her to fund a deal, she said yes—and she never looked back. She discovered a passion for helping investors succeed, ensuring that both borrowers and capital investors win together.

When you work with Mary, you get more than a lender—you get a legal and financial expert who knows how to structure deals the right way.

Patty Bane

The Construction & Project Execution Pro

Patty Bane has been in the trenches of real estate investing for years. As a licensed residential contractor and seasoned project manager, she’s overseen 150+ flips in a single year and personally completed 40+ of her own. She knows exactly what it takes to make a project profitable—and she’s not afraid to tell borrowers when a deal just doesn’t work.

Patty’s reputation is built on quality, honesty, and a no-corners-cut approach. Realtors and inspectors recognize her flips because she refuses to put out anything less than a stellar product. And when she partners with borrowers? She’s there to offer real guidance—not just money.

With Patty on your side, you’re getting a lender who actually understands your business inside and out—because she’s been where you are.

Our Loan Programs

We offer tailored funding solutions designed for active real estate investors.

🏡 Fix & Flip Loans

Fast short-term financing for property flips

Interest-only payments

Close in as little as 7-10 days

🏗️ New Construction Loans

Designed for builders and developers

Funds for lot purchase & construction costs

Competitive rates & structured draws

How It Works – Our Simple Loan Process

Fill Out Our Webform

Quick & easy—no unnecessary paperwork.

Receive a Phone Call

Someone from our team will call to discuss your deal.

Fill Out Our Application

Receive a decision in as little as 24 hours.

Get Funded!

Close in as little as 7-10 days with confidence.

Borrower Success Stories

I recently started working with Fair Oaks Funding. The folks there are very professional and extremely helpful. The team has both lending experience and construction experience. It was great being able to discuss things with them to find terms that worked out best for all of us.

Barbara Thomas, Coastal Holdings Group LLC

I have done and completed a couple of deals with this company, and we currently have a new one on the books. They are extremely helpful and very communicative.They both make you feel like you have worked with them for years and the price points are competitive. I would and will continue to work with these ladies moving forward.

Cheryl Lindsay, Athena Homes & Acquisitions, LLC

I had an amazing experience with Fair Oaks Funding. Their team is incredibly helpful every step of the way. I got the funds I needed with terms that were clear and easy to understand. Thanks to them, I was able to get my foot into investment without the stress that it could sometimes bring. They have really allowed me to hit the ground running.