Your home goals.
More mortgage options.
Access to multiple lenders and loan programs, for people from all walks of life. Buy, refinance, or put your home equity to work.
Takes about 2 minutes. A quick inquiry, not a loan application.
Conventional • FHA • VA • USDA • Jumbo • Bank Statement • DSCR Investor • Renovation
How it works
One conversation. Many lenders. Your choice.
As a broker, we don’t have one loan to sell you. We compare programs across lenders and walk you through the trade-offs in plain language.
Tell us your goal
A short inquiry: what you want to do, and how to reach you.
We review your options
A licensed loan officer looks at programs across our lender network.
You choose
Compare the trade-offs side by side. No pressure to move forward.
We guide you to closing
Application, processing and underwriting, with one team keeping you updated.
Loan programs
The right fit, not the only option.
Traditional loans, self-employed programs and investor financing. Tap a program to see who it’s built for.
Conventional
Fixed and adjustable options from a wide range of lenders, for buying or refinancing.
Often a fit for: borrowers with established credit and steady income.
FHA
Government-insured loans with flexible qualification guidelines and lower down payment options.
Often a fit for: first-time buyers and those rebuilding credit.
VA
Benefits earned through service, with flexible options for eligible veterans, service members and surviving spouses.
Often a fit for: veterans, active-duty service members and eligible surviving spouses.
USDA
Government-backed loans for homes in eligible rural and suburban areas.
Often a fit for: buyers in qualifying areas who meet income limits.
Jumbo
Financing above conforming loan limits, with programs across several lenders.
Often a fit for: higher-priced homes and markets.
Bank Statement & Asset-Based
Qualify using bank deposits or liquid assets instead of tax returns.
Often a fit for: self-employed borrowers and those with non-traditional income.
DSCR Investor
Qualify based on the property’s rental income rather than personal income.
Often a fit for: real estate investors building or growing a portfolio.
Renovation
Finance the purchase or refinance and the improvements in a single loan.
Often a fit for: buyers eyeing a fixer-upper or owners planning major updates.
Client reviews
In their words.
Your team
Real people. Direct lines.
You work with a licensed loan officer from first call to closing.
What does a mortgage broker do?
We work with multiple wholesale lenders instead of offering one lender’s products. That lets us compare programs and terms for your situation, then manage the loan through closing.
Will contacting you affect my credit?
No. Sending an inquiry or talking with us does not pull your credit. A credit check happens later, with your authorization, when you decide to apply.
I'm self-employed. Can I still qualify?
Often, yes. Bank statement and asset-based programs can use deposits or assets instead of tax returns. Eligibility depends on each program’s guidelines.
How much do I need for a down payment?
It depends on the program, the property and your situation. We’ll walk you through what each option requires.
Which states do you lend in?
Oak Capital Mortgage is licensed in North Carolina, South Carolina, Georgia, Florida and Virginia.
What happens after I submit the form?
A licensed loan officer reviews your goal and reaches out to talk through options. Nothing is binding, and you decide whether to move forward.
See what's possible for your next move.
Two minutes to tell us your goal. A licensed loan officer follows up personally.