Mortgage Lending

StoneTree Financial is a direct private lender originating and servicing loans secured by all types of real estate in the western United States. Our extensive and diverse experience allows us to quickly determine whether we are interested in moving forward with the loan process. Our personal service and creative solutions can accommodate the most unusual or complicated situations. Once it is determined we are interested in funding a loan, borrowers and brokers can expect a quick, straightforward and transparent underwriting process.

For brokers funding loans through StoneTree, there is no need to submit your own demand into escrow. When we issue the borrower a letter of interest (which the borrower must sign), it not only includes our loan fee, but the brokers loan fee as well. Few lenders, institutional or private, will take this step to insure that a brokers fees are honored.

General Loan Parameters:

  • Loan to Value - Maximum 65%
  • Loan Size - Up to $3,000,000
  • Security - 1st and 2nd mortgages
  • Rates - 10% to 13% fixed and variable (may be higher subject to specific circumstances
  • Loan Fees - Generally 4 to 6 points, subject to specific circumstances
  • Term - Up to five years, interest only
  • Prepayment -Typically no prepayment penalties

You may submit a loan request online or contact Frank Sanders at 510.268.4884 or Frank @ for more details.