© WHERE WE LEND OKLAHOMA CITY · OK
HARD MONEY LENDER OKLAHOMA CITY
A direct lender for Oklahoma City deals that banks will not touch, priced on the asset, not the paperwork.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Oklahoma City spreads wide, and the money follows the grid. Investors work the bungalow belts around the Plaza District, Paseo and Capitol Hill, chase downtown adjacency in Deep Deuce and Automobile Alley, then push toward Yukon, Moore and far northwest Oklahoma County for newer product. Energy, aerospace and a large medical campus keep renters circulating year round.
Oklahoma City is one of the Oklahoma markets Loan Goat lends in year round. Oklahoma County files and deals in Norman, Lawton and Tulsa are underwritten identically, on value, exit and the plan for the property.
Being headquartered in San Diego is an advantage on an Oklahoma City deal, not a limitation. The capital is in house, the underwriting is done by the people who fund the loan, and the answer comes back in hours. A 5.0 Google rating across 150+ reviews is the record on delivering that.
© THE COST OKLAHOMA CITY · OK
WHAT DO OKLAHOMA CITY HARD MONEY LOANS COST
Pricing an Oklahoma City deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so an Oklahoma City investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
The ranges above are what is actually available. Send the Oklahoma City address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT OKLAHOMA CITY · OK
WHY LOAN GOAT IN OKLAHOMA CITY
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks underwrite the borrower. Loan Goat underwrites the property. On an Oklahoma City deal that means a self-employed investor, a recently formed LLC or a file with a complication on it is not automatically dead. The asset, the leverage and the exit carry the decision, and the answer comes back in hours instead of a month.
Craftsman bungalows and small brick homes fill the older additions, post-war ranch dominates the middle ring, and the outer additions run to 2000s slab-on-grade tract construction. Fourplexes and garden apartment blocks line the arterials. That stock is exactly what the bridge and fix and flip programs are built for.
Flips move quickly in the near-north districts, long-term rentals pencil across the older additions, and build-to-rent belongs on the fringe. Bricktown adjacency supports short-term rental, and fourplex value-add is the reliable second play. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
OKLAHOMA CITY DEALS, FUNDED FROM SAN DIEGO.
Oklahoma County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS OKLAHOMA CITY · OK
MOST COMMON OKLAHOMA CITY LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets an Oklahoma City replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Oklahoma City auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Oklahoma City real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Oklahoma County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Oklahoma County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Oklahoma City investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Oklahoma County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Oklahoma City whose write-offs make a bank file impossible.
- VACATION RENTAL Oklahoma City vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Oklahoma City who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN OKLAHOMA CITY
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES OKLAHOMA CITY · OK
PROPERTY TYPES WE FINANCE IN OKLAHOMA CITY
- MIXED-USE Retail-over-residential buildings in Oklahoma City commercial corridors, up to 70% LTV.
- MANUFACTURED HOMES Oklahoma County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Oklahoma City care facilities bridged through licensing and stabilization.
- AGRICULTURAL Agricultural land and operations outside Oklahoma City underwritten on the asset.
- CANNABIS Cannabis-use property in Oklahoma City where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Oklahoma County fuel and automotive sites, purchase and refinance.
© THE APPROACH OKLAHOMA CITY · OK
HOW WE LEND IN OKLAHOMA CITY
The comparison is the operating rulebook: high leverage, speed to close, capital that is actually there, low documentation, in-house processing and a rate the deal earns. When a bank says no on an Oklahoma City file, this desk looks at the property. When the deal does not pencil, you hear it before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
OKLAHOMA CITY BORROWERS, IN THEIR WORDS
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The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA
© QUESTIONS OKLAHOMA CITY · OK
OKLAHOMA CITY HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Oklahoma City and across Oklahoma County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Oklahoma City files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on an Oklahoma City deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Oklahoma County. Owner-occupied has its own program. If the Oklahoma City asset produces or will produce value, there is usually a structure for it.
Property types -
Five to seven days is the standard timeline, and a clean bridge file in Oklahoma City can close in as few as three. Loan Goat is a direct lender with in-house capital and one decision maker, so no loan committee sits between you and the wire. Oklahoma County title and insurance run in parallel with underwriting rather than after it.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms
© WHERE WE LEND OKLAHOMA CITY · OK
OKLAHOMA CITY, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE OKLAHOMA CITY · OK
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