Charlotte, North Carolina

Charlotte mortgage broker.
Local guidance. Many lenders.

Oak Capital Mortgage is based on Central Avenue in Charlotte. We compare loan programs from multiple wholesale lenders for buyers and homeowners across Mecklenburg County and the greater Charlotte region.

Takes about 2 minutes. A quick inquiry, not a loan application.

Conventional • FHA • VA • Jumbo • Bank Statement • DSCR Investor • Renovation • Bridge

Why a Charlotte broker

Charlotte home financing, handled by people who live here.

Buying or refinancing in Charlotte has its own rhythm, from North Carolina contracts to attorney closings. Here is where working with a local broker helps.

Ready for NC contracts

North Carolina purchases use a due diligence period. We get your financing lined up early so you can make decisions inside that window with confidence.

Attorney closings

In North Carolina, a closing attorney handles your closing. We coordinate with your attorney, agent and lender to keep the timeline on track.

One conversation, many lenders

As an independent broker, we compare programs across our wholesale lender network instead of offering one bank’s products.

Local, direct lines

Our team works from our Charlotte office. You talk with a licensed loan officer from first call to closing.

Client reviews

What Charlotte clients say.

Read all reviews on Google ↗

    
 
 
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   Lynda N 
 
 
 
 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 S 
 
 
 
 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 S 
 
 
 
 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 Y 
 
 
 
 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 R 
 
 
 
 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 H 
 
 
 
 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 M 
 
 
 
 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 M 
 
 
 
 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 S 
 
 
 
 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 S 
 
 
 
 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.

Loan programs in Charlotte

How Charlotte buyers finance a home.

From a first condo in South End to a family home in Ballantyne or a rental near UNC Charlotte, the right program depends on your goals. 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 anywhere in the Charlotte area.

Often a fit for: borrowers with established credit and steady income.

FHA

Government-insured loans with flexible qualification guidelines and a lower down payment. Learn about FHA loans.

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

VA

Benefits earned through service, with no down payment required for eligible borrowers. North Carolina has a large military and veteran community. Learn about VA loans.

Often a fit for: veterans, active-duty service members and eligible surviving spouses.

Jumbo

Financing above conforming loan limits for higher-priced homes in areas like Myers Park, Eastover, SouthPark and Lake Norman.

Often a fit for: move-up buyers and luxury purchases.

Bank Statement & Asset-Based

Qualify using business or personal bank deposits, or liquid assets, instead of tax returns.

Often a fit for: Charlotte’s self-employed professionals, business owners and contractors.

DSCR Investor

Qualify based on a property’s rental income rather than personal income.

Often a fit for: investors buying or refinancing rental homes in Charlotte and surrounding towns.

Renovation

Finance the purchase and the improvements in one loan.

Often a fit for: buyers eyeing older homes in established neighborhoods like Plaza Midwood, Dilworth and NoDa.

Bridge

Buy your next Charlotte home before your current one sells, using the equity you already have. Learn about bridge loans.

Often a fit for: move-up buyers with larger loan amounts who want to avoid moving twice.

First-time buyers

Buying your first home in Charlotte?

You may not need as much saved as you think. Several loan programs offer lower down payment options, and some allow gift funds from family. We compare the programs you qualify for and show you the cash needed upfront for each, so you can decide with clear numbers.

Where we help

Charlotte and the communities around it.

From our office on Central Avenue near Plaza Midwood, we help buyers and homeowners throughout the Charlotte region.

In Charlotte

Plaza Midwood · NoDa · South End · Dilworth · Myers Park · SouthPark · Ballantyne · University City · Steele Creek

North & East

Huntersville · Cornelius · Davidson · Mooresville · Concord · Kannapolis · Matthews · Mint Hill

South & West

Indian Trail · Waxhaw · Gastonia · Belmont · Fort Mill, SC · Tega Cay, SC · Rock Hill, SC · Lake Wylie, SC

We’re licensed in South Carolina too, so buying across the state line is no problem.

Questions

Charlotte home loan questions.

Don’t see yours? Call (704) 275-8175.

Why use a mortgage broker in Charlotte instead of a bank?

A bank offers its own loan products. As an independent broker, we compare programs and terms across multiple wholesale lenders, then help you choose the option that fits your goals. You still work with one local team from application to closing.

What is the due diligence period in North Carolina?

In the standard North Carolina Offer to Purchase and Contract, buyers negotiate a due diligence period and usually pay a due diligence fee to the seller. Inspections, the appraisal and key loan steps happen during that time. Getting preapproved before you make an offer helps you use that window well.

Who handles real estate closings in North Carolina?

North Carolina real estate closings are conducted by a licensed closing attorney. We work directly with your attorney, real estate agent and lender so documents, funds and timing line up for closing day.

Can you help if I'm buying in Fort Mill or Rock Hill?

Yes. Oak Capital Mortgage is licensed in South Carolina as well as North Carolina, Georgia, Florida and Virginia, so we can help with homes on either side of the state line.

How long does it take to buy a home in Charlotte?

Once you’re under contract, many purchase loans close in about 30 to 45 days. The timeline depends on your contract dates, the appraisal, how quickly documents come in and the closing attorney’s schedule. Getting preapproved before you shop helps everything move faster.

Will talking with you affect my credit?

No. Asking questions or sending an inquiry does not pull your credit. A credit check happens later, with your authorization, when you decide to apply.

Local market guides

More North Carolina guides.

North Carolina overview · Raleigh · Asheville · Greensboro · Wilmington

Let's talk about your Charlotte move.

Visit us at 1800 Central Ave, Suite 301, Charlotte, NC 28205, or start online in about two minutes. A licensed loan officer follows up personally.

All loans are subject to credit approval and underwriting.

Charlotte mortgage broker.Local guidance. Many lenders.