Black Friday Closing Credit
1% of your loan
back at closing.
Up to $7,500 toward closing costs on your home purchase. Apply by December 31, 2026 and close by March 31, 2027.
Secure my credit. Where are you buying?
About 2 minutes · No credit check · No obligation
Purchase loans only. Subject to eligibility and lender approval. Full terms below.
What 1% looks like
The credit is 1% of your loan amount, applied at closing, up to $7,500.
How it works
Three steps from today to closing day.
Secure the offer
Tell us a little about your purchase. It takes about a minute, and a licensed loan officer will reach out.
Apply with us
We send you your application link. Complete it by 11:59 PM ET on December 31. A credit report fee is collected when you apply.
Close and get your credit
Close on your new home by March 31. The credit is applied toward your closing costs.
Who it’s for
People from all walks of life buying a home in North Carolina, South Carolina, Georgia, Florida or Virginia.
- First-time and move-up buyers, investors and second-home buyers
- Conventional, FHA, VA, USDA, jumbo, bank statement and other purchase programs we offer
- Already shopping or under contract? Talk to us. You may still be able to switch before closing.
Secure your credit
Answer a few quick questions, about two minutes, and a licensed loan officer will follow up with your numbers. No credit check to get started.
About 2 minutes · No credit check · No obligation
Offer terms
- Who qualifies: borrowers who submit a complete loan application with Oak Capital Mortgage by 11:59 PM ET on 12/31/2026.
- Loans: purchase loans only. Refinances, HELOCs and home equity loans are not eligible.
- Amount: 1% of the loan amount, up to $7,500, applied as a credit toward closing costs at closing. The credit can’t be more than your allowable closing costs and can’t be taken as cash. Some loan programs may limit how a credit can be used.
- Deadline: the loan must close by 3/31/2027.
- One per loan: cannot be combined with the listing credit or any other Oak Capital offer.
- Our fees don’t change: the credit comes off our standard fees, which are the same before, during and after this offer.
- Not a commitment to lend: subject to credit approval, eligibility, property review and lender approval.
Oak Capital Mortgage, LLC | NMLS #1960829 | 1800 Central Ave, Suite 301, Charlotte, NC 28205 | Licensed in NC, SC, GA, FL and VA | nmlsconsumeraccess.org | Equal Housing Opportunity