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.

01Conventional

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.

02FHA

Government-insured loans with flexible qualification guidelines and lower down payment options.

Often a fit for: first-time buyers and those rebuilding credit.

03VA

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.

04USDA

Government-backed loans for homes in eligible rural and suburban areas.

Often a fit for: buyers in qualifying areas who meet income limits.

05Jumbo

Financing above conforming loan limits, with programs across several lenders.

Often a fit for: higher-priced homes and markets.

06Bank 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.

07DSCR 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.

08Renovation

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.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   Lynda Norris 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and Jordyn have been absolutely phenomenal to work with. This is now my second home purchase using Oak Capital and I couldn’t be happier with the communication and honesty and speed. 10/10 recommend!
  
 
      Posted on Google  
   
   Shontek Smallwood 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Matthew and Jordyn was truly an amazing experience. From the beginning to the closing table, they made the entire home buying process feel smooth, stress-free, and manageable. They were patient, knowledgeable, responsive, and always willing to answer my questions throughout every step.

There were moments during the process that felt overwhelming, but they continuously reassured and guided me through it all. Their professionalism, communication, and dedication made such a difference for me and my family. I’m beyond grateful for their hard work in helping me become a homeowner. I highly recommend them to anyone looking to purchase a home!”
  
 
      Posted on Google  
   
   Shane Shields 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've used Hayden and his team twice for a mortgage and a refinancing and cannot recommend them enough. Throughout the whole process, they remained exceptionally responsive and easy to communicate with, making each process as smooth and simple as it could possibly be. Their knowledge and ability to proactively move the process along allowed me to take a seat back and know that I was in good hands. Hayden always kept in mind the rate that I wanted to refinance at and regularly reached out to me until we approached a time where we could make it happen. The refinancing process was as seamless as I could imagine it going. Great people who are working on your side and are always available to assist.
  
 
      Posted on Google  
   
   Ryan Yeatts 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful/professional experience throughout the entire process from start to finish. The staff always answered my questions same day. They took the time to actually speak with me and the best options. Highly recommend Oak Capital Mortgage!!!
  
 
      Posted on Google  
   
   Alyssa Ruberto 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hayden and Oak Capital Mortgage are awesome! Hayden acted like a partner every step of the way, always available when I needed him  most, and always collaborative. This was my first time buying a house and I was doing it solo. Hayden always stayed cool and collected, and was also on top of things when I wanted to jump on an offer. I was talking to a few lenders in the beginning, but Hayden is the only one who just reached out (even after I signed on with him) to see how things were going, say hi, ask about the house hunt, and just be friendly and that all went a long way. Closing was a breeze on his end (even though I myself had a little hiccup, he was cool about it and always solutions-oriented). Thanks Hayden!
  
 
      Posted on Google  
   
   DEBRA HUGHES 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew and Jordyn were amazing to work with! They are very knowledgeable, proactive and detail oriented! Closing ahead of schedule! Nice work! Highly recommend them to anyone looking for a home loan!
  
 
      Posted on Google  
   
   Sam Miles 
 
 
 
 Trustindex verifies that the original source of the review is Google. Something so boring as a mortgage shouldn't also be stressful. And yet, it tends to be. Matthew Hassey and Jordyn Minton at Oak Capital couldn't fix the boring part, but they definitely made it less stressful. They were extremely clear and communicative, and answered each and every question I had, no matter how absurd. Do yourself a favor and work with them.
  
 
      Posted on Google  
   
   Anthony Marquez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything was great. Thank you for being there for us.
  
 
      Posted on Google  
   
   Visal Sath 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew Hassey and his team at Oak Capital are the best ! They will take care of you like they did us! It was smooth and easy and we walked away happier than we expected!
  
 
      Posted on Google  
   
   John Schwenck 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time homeowners, my wife and I were naturally overwhelmed with information as we were shopping around lenders, to the point that we almost backed out of the whole ordeal. That is, until we switched to Oak Capital Mortgage and were paired with Hayden Wilson. Hayden was honest and transparent with us throughout the entire process from the moment he picked up the phone, and for that reason alone, I cannot recommend these folks enough. Nothing hidden from us, and every scenario laid out clearly for us to evaluate everything in its entirety.  10/10 service - you guys knocked it out of the park.

Your team

Real people. Direct lines.

You work with a licensed loan officer from first call to closing.

Matthew Hassey

President/Owner · Licensed Mortgage Broker

NMLS #118199

Jordyn Minton

Director of Operations · Licensed Mortgage Broker

NMLS #2233199

Hayden Wilson

Licensed Mortgage Broker

NMLS #1963755

Kyler Carr

Licensed Mortgage Broker

NMLS #1982623

Bill Goodwin

Licensed Mortgage Broker

NMLS #335193

Questions

Straight answers.

Don’t see yours? Call (704) 275-8175.

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.

Your home goals.More mortgage options.

One conversation. Many lenders. Your choice.

Tell us your goal

We review your options

You choose

We guide you to closing

The right fit, not the only option.

In their words.

Real people. Direct lines.

Straight answers.

See what's possible for your next move.

Your home goals.
More mortgage options.