At Fair Oaks Funding, our mission is to help people at every stage of their journey build something they couldn’t build alone. We provide strategic capital solutions that create opportunity, strengthen communities, and increase long-term stability for our borrowers and investors.

We believe clarity creates stability. Stability protects capital. And protected capital enables longevity.

Through transparent communication, disciplined underwriting, and relationship-driven lending, we focus on strong markets and responsible growth. Our Capital Investor Campaign is built on one principle: protecting investor capital while creating sustainable returns through carefully selected projects and trusted partnerships.

We operate with integrity, honesty, compassion, and fiscal responsibility — because trust isn’t optional in this business. It’s everything.

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 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.

Testimonials from our trusted Borrowers and Investors

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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