We are a dream team!

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5 Core principles of our work

  • Use the power of your imagination
  • Think bigger than you are
  • Focus on growth
  • Keep the right people around you
  • Set goals along the way

Our experience

Photography
Video Production
Photo Retouch
Web Design

Meet Our Specialists

Other Programs

Purchase/Refinance

Does your purchase or refinance scenario not fit into and of the boxes? Submit your scenario explaining your situation and let us find you the options the others could not.

Home Equity Line of Credit

Refinance

A home equity line of credit (HELOC) is a line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate higher interest-rate debt on other loans such as credit cards.

Cash Out Refinance

Refinance

Looking to get cash out of your property? Whether its your primary residence, vacation home, or one of your investment properties, we will be able to secure the loan you need.

Foreign Nationals

Purchase/Refinance

We have loan programs for Foreign Nationals and Permanent Resident Aliens.

Alternate Qualification

Purchase/Refinance

Having difficulty qualifying for you home loan? There might be another way. We have Asset Based, Investment, and other loans that may be perfect for you.

Jumbo Financing

Purchase/Refinance

Does your loan request not fall within conforming lending limits? We have loan programs for almost ANY loan amount.

VA Financing

Purchase/Refinance

The VA Loan is a home-mortgage option available to United States Veterans, Service Members and not remarried spouses. VA Loans are issued by qualified lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).

FHA Financing

Purchase/Refinance

FHA loans have been helping people become homeowners since 1934. How do they do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so the lender can offer you a better deal.

Conventional Financing

Purchase/Refinance

We have both Conforming and Non-Conforming Conventional Financing in order to fit every borrowers’ needs. We are always up to date on the ever-changing mortgage industry and its lending standards in order to provide you with the best service available.

White Oak Holdings principals, Joe & Harrison Gorman grew up in homes of Nutrition, Vitamin Supplements and Healthy Food.  It was not coincidental when they met up with Carole Baggerly and not only hit it off but became friends and business advocates. Carole‚Äôs Vision of Health, Research and improving our World is life changing.  I…

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Private Money

Common Sense Underwriting. Small Loan Program 1st Trust Deed less than 65% LTV, and 2nd Trust Deeds (50% CLTV or less). Closing in 5 -10 Business Days.

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White Oak Holdings has an Owner-Occupied Bridge loan so you can look for dream home with confidence whether your current residence has sold or not.

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Fix & Flips for us do not always require an appraisal. Our process to evaluate is quick and our understanding of scope and costs come from years of experience. We can lend up to 80% of purchase price and 100% of renovation costs, usually 70% ARV.

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Private Money

White Oak Holdings is a seasoned residential and commercial evaluator, and we can provide quick pre-approvals and closings. We will even lend on Large Parcels and Contaminated Projects on a case by case basis.

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Private Money

White Oak Holdings has you covered when it comes to 2nd Trust Deeds. We are quick to underwrite and quick to fund.

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White Oak Holdings has you covered when it comes to Land and Development, with 30+ years of experience in all aspects from Lot Loans to Fully Entitled Projects. We will even lend on Large Parcels and Contaminated Projects on a case by case basis.

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Managing Principal

Joe started White Oak Holdings, Inc. with his son, Harrison, in February of 2018. White Oak is a conventional residential, commercial and private money lender. The focus has been to build a small tightly run mortgage banking company that has a robust marketing system, reliable back office, with a hands-on approach to customer service.

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Principal | Broker

Harrison holds a Real Estate Brokers and MLO License and has transacted business involving institutional residential, commercial, and private money lending. He has been working in real estate for over 5 years, and in addition to lending has been active with his father in the acquisition, renovation, and disposition of residential real estate.

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Creative Director

Haley Gorman is the Creative Director for White Oak Holdings with 9+ years experience in complex graphic design applications. Most recently the Graphic Designer and Production Artist at event marketing agency Kicking Cow Promotions, Haley managed the production of graphics from inbound artwork and was responsible for creating detailed vendor specs, design layouts, and 3D renderings of experiential marketing opportunities. These responsibilities encompassed everything from preparing and transferring artwork to fabricators, assuring submission guidelines were abided, and providing thorough quality checks through all processes. Aside from production, Haley designed all creative for brand-specific events and elements from concept through completion. Her and her team collaborated in concept development where she was responsible for creating realistic 3D renderings for potential new business proposals.

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