Augusta, Georgia

Augusta mortgage broker.
Both sides of the Savannah River.

In the CSRA, the house you love might be in Evans or across the Savannah River in North Augusta. Oak Capital Mortgage is licensed in Georgia and South Carolina, compares programs from many wholesale lenders, and stays your one point of contact either way.

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

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

Garden City

A river town with buyers on both banks.

Augusta buyers often compare homes in Columbia County with homes across the river in North Augusta or Aiken. Because we’re licensed in Georgia and South Carolina, you don’t have to change lenders when you change states.

Georgia or South Carolina, same team

Contracts and closings work a little differently on each bank of the river. We know both, so switching states never means switching loan officers.

Fort Gordon report dates

Military moves rarely wait. We work with VA borrowers at Fort Gordon and keep the file moving so a fixed report date does not turn into a scramble.

Long hospital shifts

Physicians, residents and medical staff keep odd hours. Most of the process happens by phone, video and secure e-signature, on your schedule.

Summerville and Olde Town homes

Updating a house in Summerville, Forest Hills, Olde Town or Harrisburg? Renovation financing lets the improvements ride on the same loan as the purchase.

CSRA programs

Orders, lake homes and starter houses.

A first home in Grovetown, a Summerville cottage that needs updating and a rental near the medical district each need something different. Tap a program to compare.

VA

No down payment required for eligible borrowers, a natural fit for a duty station like Fort Gordon. VA loan guide.

Often a fit for: Fort Gordon soldiers, military retirees and eligible surviving spouses.

Conventional

Buy or refinance in Richmond or Columbia County, or across the river in Aiken County.

Often a fit for: buyers with solid credit and steady income.

FHA

FHA-insured financing with a lower down payment and flexible qualifying. Details on FHA.

Often a fit for: first-time buyers in Hephzibah, Grovetown and south Augusta.

Jumbo

For loans over $832,750 on lakefront and golf homes in Columbia County or in the Summerville neighborhood.

Often a fit for: luxury and lakefront moves.

Bank Statement & Asset-Based

Deposits or liquid assets prove income when tax returns don’t tell the whole story.

Often a fit for: physicians in private practice and CSRA business owners.

DSCR Investor

Qualify on what the home rents for rather than your own income.

Often a fit for: landlords renting to military households, medical residents and students.

Renovation

Buy an older house and finance its repairs together.

Often a fit for: buyers in Summerville, Forest Hills and Olde Town.

Bridge

Purchase first, sell second, with equity from your current home. Bridge financing details.

Often a fit for: larger move-up purchases around Evans and Martinez.

Buying soon?

Thinking about your first Augusta-area home?

Renting near Fort Gordon or in Grovetown and wondering if you could own instead? Some loan programs require less money down, and some accept gift funds from family. We compare what you qualify for and put the cash needed next to what you pay in rent today.

Both riverbanks

Evans, Grovetown and across the river.

On the Georgia side we cover Richmond and Columbia counties; across the river, Aiken and Edgefield counties in South Carolina.

In Augusta

Downtown · Olde Town · Summerville · Forest Hills · Highland Park · National Hills · West Augusta · Hephzibah

Columbia County

Evans · Martinez · Grovetown · Appling · Harlem · West Lake

South Carolina side

North Augusta · Aiken · Belvedere · Graniteville

North Augusta, Aiken, Belvedere and Graniteville sit on the South Carolina side, and our license there covers them just as our Georgia license covers Evans and Martinez.

Client reviews

Clients share their experience.

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

Augusta buyers often ask.

Don’t see yours? Call (877) 991-7283.

Can I get preapproved before my PCS to Fort Gordon?

Yes. With your orders and Certificate of Eligibility, we can start the loan from your current station and many lenders can count your incoming assignment. That lets you shop Grovetown, Evans or Augusta with confidence before you arrive.

Can my spouse move in if I deploy right after closing?

Generally, yes. VA’s occupancy rule can be met by a spouse living in the home while the service member is on active duty and unable to occupy it. Let us know about upcoming deployments early so the paperwork reflects it.

Can you finance a home across the river in North Augusta or Aiken?

Yes. Oak Capital is licensed in both Georgia and South Carolina. South Carolina closings are also attorney-supervised, and you can usually choose your attorney there, so we walk you through whichever side you pick.

When is the homestead deadline for my Augusta-area home?

Georgia’s homestead filing goes to your county tax office in Richmond or Columbia County, and the cutoff is April 1. You need to own the home and live there on January 1 of the year you claim it. It doesn’t affect the loan, but it can trim your escrowed taxes once approved.

What does the Georgia closing attorney actually handle?

Quite a lot: reviewing title, preparing and explaining the closing documents, disbursing funds through a trust account and recording the deed and security deed. We coordinate with them from the day you go under contract.

Can I keep my Augusta home as a rental when the Army moves me again?

Many service members do. A VA loan expects you to live in the home first, but you can generally rent it out after a later move. A future DSCR loan can help if you add more rentals.

Local market guides

More Georgia guides.

Georgia overview · Atlanta · Savannah · Athens · Columbus

On orders or settling in? Let's talk.

Whether the home is in Columbia County or Aiken County, begin with a short online form or a call. A loan officer licensed in both states gets back to you.

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

Augusta mortgage broker.Both sides of the Savannah River.