Sarasota, Florida

Sarasota mortgage broker.
Snowbirds to full-timers.

Plenty of Sarasota buyers are still living up north, or selling a house somewhere else, when they buy here. Oak Capital Mortgage fits the loan to that bigger move, comparing programs across our wholesale lenders for homes from Lakewood Ranch to Siesta Key.

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

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

On the Suncoast

Financing for every chapter on the Suncoast.

Sarasota attracts retirees, seasonal residents, growing families and people working remotely. Many are buying from out of state, often while selling a home somewhere else. We help you line up the loan around that bigger plan.

A winter home, or a full-time one

Whether Sarasota becomes your primary residence or the place you spend the cooler months, the occupancy type shapes the loan. We settle that question at the start.

Retirement savings can qualify

Living on investments instead of a paycheck? Asset-based programs can use savings and investment accounts to qualify you.

Keys and bayfront insurance

Homes on Siesta, Longboat and Lido often mean flood zones, elevation certificates and a wind mitigation report. We help you collect quotes early so they do not hold up closing.

Buy here before you sell up north

A bridge loan can let you use equity in your current home to buy on the Suncoast first. It suits larger loan amounts and buyers who would rather move once.

Suncoast loans

Island homes, seasonal stays and first purchases.

A downtown condo, a new build in Wellen Park and a cottage on Siesta Key may each need a different lender. Tap any program to see the buyer it was built for.

Conventional

Primary residences and second homes from Bradenton to Venice, qualified according to how you’ll actually use the home.

Often a fit for: snowbirds and full-time residents with established credit.

Jumbo

Above $832,750 for island homes on Siesta, Longboat, Bird and Lido keys and larger Lakewood Ranch properties.

Often a fit for: Gulf-front and estate purchases.

Bank Statement & Asset-Based

Qualify from investment balances, retirement accounts or business deposits rather than a traditional paycheck.

Often a fit for: retirees, near-retirees and self-employed buyers.

Bridge

Buy on the Suncoast before your home up north sells. How bridge financing works.

Often a fit for: relocating buyers with larger loan amounts.

FHA

A lower down payment and forgiving credit standards, backed by FHA insurance. About FHA loans.

Often a fit for: first-time buyers in North Port, Bradenton and Palmetto.

VA

Benefits earned through service, with no down payment required for eligible borrowers. VA home loans.

Often a fit for: veterans retiring to the Gulf Coast and eligible surviving spouses.

DSCR Investor

Rental income qualifies the property; check city, county and HOA minimum lease terms first.

Often a fit for: seasonal and annual rental investors.

Renovation

Finance a mid-century house and its makeover together.

Often a fit for: buyers in Southside Village, Laurel Park and Gillespie Park.

New to owning

Thinking about a first home near the Gulf?

Buying your first place in Bradenton, Parrish or North Port? You may need less saved than you think. A few programs allow a smaller down payment, and gift funds from family can count. We show the cash to close for each, with insurance and HOA dues built in.

Keys and mainland

From Bradenton to Venice, keys included.

Sarasota and Manatee counties are home turf for this page: the barrier islands, the mainland neighborhoods and the master-planned communities inland.

In Sarasota

Downtown · Rosemary District · Laurel Park · Southside Village · Gillespie Park · Palmer Ranch · St. Armands · Lido Key · Bird Key

Keys & South County

Siesta Key · Longboat Key · Osprey · Nokomis · Venice · Wellen Park · North Port

Manatee County

Lakewood Ranch · Bradenton · Palmetto · Parrish · Anna Maria Island

If your current home is in North or South Carolina, we can talk through financing on both sides, since we are licensed there as well as in Florida.

Client reviews

Kind words from the people we serve.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   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.

Questions

Suncoast questions, answered plainly.

Don’t see yours? Call (704) 275-8175.

Can I finance a seasonal home on Siesta Key or Longboat Key?

Yes. A second-home loan works for a place you use yourself for part of the year. Lenders look at the property’s rental activity and, for condos, the building’s finances, so tell us how you plan to use it before you shop.

What is a wind mitigation inspection?

It’s a short inspection on Florida’s uniform form that records features like roof shape, roof-to-wall attachments and opening protection. Insurers use it when pricing windstorm coverage. Ordering one early gives you a truer picture of your monthly cost.

When should I apply for the homestead exemption?

If the home becomes your permanent residence, apply with the Sarasota or Manatee County property appraiser. You must own and live in it as of January 1, and the filing deadline is generally March 1. It’s separate from your mortgage, so add it to your post-closing list.

Can I qualify on retirement savings instead of a paycheck?

Often. Social Security and pension income count like regular income, and asset-based programs can use your investment and retirement balances to qualify. We look at what you have and match it to lenders whose guidelines fit.

Can I sign closing documents while I'm still up north?

Usually. Florida closings are run by a title agent or attorney, and many can arrange for you to sign elsewhere with a notary, subject to lender requirements. We’ll talk through signing options well before your closing date.

What's an elevation certificate, and do I need one?

It’s a surveyor’s document showing the home’s elevation compared with expected flood levels. It isn’t always required, but it can change how insurers price flood coverage. Some homes already have one on file, so ask the seller first.

Local market guides

More Florida guides.

Florida overview · Jacksonville · Orlando · Tampa · Miami

Wintering here or moving for good? Let's talk.

Start online or call from wherever you live today. A Florida-licensed loan officer follows up personally and keeps things moving while you wrap up life up north.

Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.

Sarasota mortgage broker.Snowbirds to full-timers.