About

At Fair Oaks Funding, we believe that real estate success is built on more than just capital—it’s built on trust, expertise, and partnerships that deliver real results. With decades of combined experience in private lending, real estate investing, and legal structuring, we provide reliable funding solutions that empower both borrowers and investors to achieve their goals confidently and securely.

Meet Our Leadership

Mary Hart

With over 20 years of private lending experience and 34 years as an attorney, Mary Hart has built a reputation for structuring rock-solid deals that protect both investors and borrowers. Her zero-foreclosure track record isn’t by chance—it’s the result of careful underwriting, smart risk management, and unwavering integrity. Mary discovered her passion for lending when a fellow investor asked her to fund a deal, and she’s never looked back. Today, she’s recognized as a legal and financial expert who knows exactly how to structure deals the right way—helping ensure everyone wins.

Patty Bane

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 over 40 of her own. 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. Patty offers borrowers more than just funding—she provides real guidance and insight, helping them make smarter, more profitable decisions.

What We Stand For

We’ve seen firsthand what it takes to make a deal succeed—and what can go wrong when it’s not done right. Our zero-foreclosure record is a testament to our precise underwriting, deep market knowledge, and commitment to creating true win-win outcomes for both investors and borrowers. Fair Oaks Funding is proud to be the go-to funding solution for rehabbers, builders, contractors, and real estate investors of all experience levels. Whether you’re looking to fund your next project or invest your capital in strong, secured opportunities, our team is ready to guide you every step of the way.

Our Mission

To deliver secure, strategic, and trusted funding solutions that enable real estate investors and capital partners to grow—together.

Our Vision

A thriving community of investors and borrowers succeeding through integrity, expertise, and shared success.

Our Commitment to You

We’re more than just a lender—we’re a team of real estate experts and problem-solvers who care about your success and are dedicated to helping you make smart, profitable moves.

The Fair Oaks Difference

Our Mission

Why Choose Us

Our Commitment

We strive to empower our customers with accessible and flexible financial solutions. By prioritizing your needs and goals, we ensure every step of the lending process is straightforward, transparent, and tailored to you.

✔️ Proven Track Record: 20+ years of private lending success with zero foreclosures.

✔️ Expert-Led: Legal and financial expertise that protects your investments.

✔️ Speed & Certainty: Fast approvals and reliable funding when you need it most.

✔️ Personalized Solutions: We structure deals that work for both borrowers and investors.

✔️ Integrity First: Transparent, honest, and committed to your success.

We are dedicated to delivering dependable, fast funding with complete transparency and integrity. Whether you're an investor or a borrower, we prioritize your success through expert guidance, personalized service, and unwavering attention to detail—every step of the way.

Testimonials from our trusted Borrowers and Investors


"Doing the right thing, is never the wrong thing"- Ted Lasso

At Fair Oaks Funding, we’re committed to delivering trusted funding solutions that help you build lasting success. Our experienced team provides expert guidance at every stage, offering strategic funding options designed to support both your immediate goals and long-term growth.

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"Doing the Right thing is never the Wrong thing"- Ted Lasso

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