Building Trust, One Home at a Time

Client-focused. Expert-driven. Oak & Vine delivers trusted guidance for California homes and investment properties.

Spanish-style California home with tile roof and landscaped front yard

Your One-Stop Partner for Home Lending

Founded in 2022, Oak & Vine Home Lending was built on a simple belief: everyone deserves a trusted partner in their home financing journey.

Our values are simple: personalized service, transparent communication, and unwavering dedication to our clients.

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

Client 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.

Meet the Founder

Committed to guiding you through every step of your home financing journey. Ryan works with each client one-on-one, taking the time to explain your options, so first-time buyers can move forward with confidence.

RYAN DAVIS

MORTGAGE LOAN OFFICER