Fair Oaks Funding

Fair Oaks Funding Helping real estate investors grow with fast, flexible funding.

Backed by experience you can trust—whether you're borrowing or investing, we’re here to support your success. 💼🌳

A good lender shouldn’t be emotionally attached to Plan A.Markets move. Timelines shift. Numbers change. Sometimes the s...
09/04/2026

A good lender shouldn’t be emotionally attached to Plan A.

Markets move. Timelines shift. Numbers change. Sometimes the smartest decision is recognizing that the original plan no longer makes sense.

That’s when communication matters most.

Bring your lender into the conversation early, look at the options, and make the next decision based on where the deal is now.

We’d rather help a borrower adjust the plan than watch them force one that stopped working.

09/02/2026

A timeline that only works when everything goes right probably isn’t realistic.

Patty sees this all the time. Permits take longer. Cities get backed up. Contractors get delayed. One setback starts pushing everything behind it.

That’s why we look closely at the timeline before we fund a deal. The goal is to make sure there’s enough room for real life to happen and still get the project across the finish line.

Builders: what delay has thrown off one of your projects the most? 👇

There are a lot of deals behind Fair Oaks. There are also real people behind every one of them.Mary founded Fair Oaks wi...
08/31/2026

There are a lot of deals behind Fair Oaks. There are also real people behind every one of them.

Mary founded Fair Oaks with a relationship-first approach to lending, and Patty brings the hands-on project perspective that helps borrowers navigate what happens beyond the closing table.

Different backgrounds. Different strengths. A whole lot of personality. 😅

And one thing they agree on: good business should still feel personal.

If you’ve worked with a lender before, what made you want to work with them again? We’d genuinely love to hear it.

And if you’re investing, building, or flipping in VA, NC, or SC, follow along. We share the deals, lessons, and real-life side of private lending around here.

Sometimes the smartest move in a deal is changing the plan.This borrower originally planned to purchase a lot and build ...
08/28/2026

Sometimes the smartest move in a deal is changing the plan.

This borrower originally planned to purchase a lot and build a new home. When market conditions shifted, moving forward with construction no longer made the most sense.

So we talked through the options.

The borrower ultimately sold the lot to another investor and paid the loan off early instead of forcing the original plan.

A good exit strategy matters. So does knowing when it needs to change. Communication gives everyone more options.

A new construction deal can look strong on paper and still leave us with questions.We’re looking at the borrower, the bu...
08/26/2026

A new construction deal can look strong on paper and still leave us with questions.

We’re looking at the borrower, the budget, the timeline, the completed value, the exit, and how much room is left if something changes along the way.

Would we fund this one? Potentially, yes.

The details decide the structure.

08/24/2026

This business is personal to us.

We want to work with good people, fund solid projects, and build relationships that last far beyond one loan.

That means honesty, transparency, communication, and doing business with the same level of care we’d want for our own family and friends.

That’s the Fair Oaks way.

08/21/2026

August’s Dealmaker WNC is in the books 🙌

This month brought investors, lenders, agents, builders, and operators together at The Mule to talk through different real estate strategies and what actually makes sense for different goals, experience levels, and businesses.

The best part is always the conversations that happen in the room: real questions, new connections, and people learning from others who are actively doing the work.

Next up: September 8 👀

The September panel will focus on growing and scaling your real estate business, with conversations around systems, operations, marketing, AI tools, and more.

📍 The Mule | 131 Sweeten Creek Rd
📅 September 8
⏰ 5:30–7:30 PM

RSVP at DealmakerWNC.com.

08/19/2026

Strong numbers matter. So does knowing the borrower can execute.

This deal checked all three boxes: the numbers worked, the renovation fit the market, and we already knew how this borrower operated from a previous project.

That is what gave us confidence to move forward.

08/17/2026

Looking back at one of the projects we visited earlier this year in Ashland, VA.

At the time, the pads were prepped and concrete was next for two 10,000 sq. ft. buildings planned for small industrial warehouse and office units.

We talk a lot about how deals are structured, but it’s just as important to show what those deals actually look like once they’re moving.

One conversation can change the direction of your life, especially when your answer is, “Teach me.”Mary shared this at D...
08/14/2026

One conversation can change the direction of your life, especially when your answer is, “Teach me.”

Mary shared this at Dealmaker WNC as she reflected on the opportunity that opened an entirely new chapter for her.

That willingness to learn, take the chance, and keep moving forward is still a big part of how she leads today.

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Seneca, SC
29672, 29678, 29679

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