Capital
Lending & Capital Strategy
Financing should follow the approval timeline, not fight it. We arrange purchase, construction and bridge financing timed to when the project can actually use the capital.
Who it's for
- Buyers financing land or an estate purchase
- Owners financing new construction or a major remodel
- Owners refinancing after completion or before a sale
What we handle
- Purchase, construction, bridge and refinance loans
- Loan timing tied to entitlement and permit milestones
- Coordination with 1031 exchange requirements
- Introductions to CPAs and attorneys for tax and structuring advice
How it works
Three steps, each one documented.
- Plan
We map the capital need against the project timeline.
- Structure & arrange
We compare options with you and your advisors, then arrange the financing through Black Oak Homes & Mortgages.
- Adjust
If the timeline moves, the capital plan moves with it.
What you receive
A financing plan that matches the project schedule, arranged by the same team managing the approvals.
Lender
Equal Housing Lender. Cris Lapp, California Mortgage Broker, NMLS #337660; California Real Estate Broker, DRE #01093529.
Questions
Lending & Capital Strategy, answered.
Why does loan timing matter so much?
Construction loans carry interest from closing. If the permit issues months later, you pay for capital you can't use. If the loan closes late, you risk losing your builder's start date. Aligning the two protects both.
Can you finance land without plans?
Land loans are available but typically carry different terms than home loans. We will explain the options and how a feasibility audit or approvals can improve them.
In their words
Be prepared: this is all going to happen very quickly!
“Cris is the tireless ice breaker who can navigate through a seemingly frozen sea and get you to your destination safe and sound. And he does it all with patience and grace.”
Concierge-level lending that actually delivers.
“I've used Black Oak for multiple loans and each time received superior, personal concierge service. This is how lending used to be and should still be.”
Mortgage help made easy.
“They made the entire mortgage process easy and stress-free.”
What usually comes next
Feasibility Audit
01 · Acquire. A written read of what a property allows, what it will take, and where the risk sits.