Building Trust, One Home at a Time

Our mission is to help everyone find their place in the world.

Year Of Experience
+

20+ best award wining

Your One-Stop Partner for Real Estate & Lending

Founded in 2005, Oak & Vine Home Lending was built on a simple belief: everyone deserves a trusted partner in their home financing journey.

What started as a small team of three has grown into a respected lending institution, but our values remain the same — personalized service, transparent communication, and unwavering dedication to our clients.

We’ve helped over 15,000 families find the right loan, close on time, and move into the homes they love.

Clilent First

Every decision we make starts with what's best for our clients.

Excellence

We hold ourselves to the highest standards in every transaction.

Community

We're committed to strengthening the communities we serve.

Integrity

Transparency and honesty are the foundation of everything we do.

Our Vision

To empower individuals, families, and investors nationwide to build lasting wealth and financial freedom through transparent real estate guidance and innovative lending solutions.

Our Mission

To provide personalized real estate expertise and strategic lending options that simplify the buying and investing process. We combine education, modern technology, and hands-on support to help clients make confident, profitable decisions—whether purchasing a home, growing a portfolio, or securing creative financing.

The Best Choice at Affordable Rates

Expert guidance, transparent process, and competitive rates designed for your financial goals.

Get Pre-Approved

Move forward with confidence. Our quick and secure pre-approval process gives you a clear picture of your budget and purchasing power — so you can shop, negotiate, and close with certainty.

Apply with Ease

From application to funding, our streamlined digital process makes financing simple. We guide you through every document, deadline, and decision to ensure a smooth, stress-free experience.

Expert Guidance

With years of experience in California real estate and nationwide lending, our team helps you navigate the market strategically. We’re here to answer your questions, tailor your loan options, and help you achieve your short- and long-term goals.

Meet the Oak & Vine Team

A dedicated group of mortgage experts committed to guiding you through every step of your home financing journey.

RYAN DAVIS

MORTGAGE LOAN OFFICER

EXECUTIVE ASSISTANT

EXECUTIVE ASSISTANT

ADAM DRAKE

MORTGAGE LOAN OFFICER