Columbus, Georgia

Columbus mortgage broker.
PCS-ready VA guidance.

Army orders bring families in and out of Columbus all year, while longtime residents trade up and invest. For each of them, we search several wholesale lenders for the right program and keep the file moving toward your date.

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

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

Fountain City

Built around military moves and local roots.

Fort Benning keeps families arriving and leaving on Army timelines, while longtime Columbus residents trade up and invest. We compare lenders for both.

VA, timed to your PCS

We help eligible soldiers and veterans use the VA benefit they earned and plan the closing around report dates, so you can move in when you arrive.

Keeping it as a rental later

Many military homeowners hold on to their Columbus home after the next set of orders. We talk through how today’s loan choice affects that plan.

Homestead exemption after move-in

Once you own and live in the home as of January 1, you can apply for Georgia’s homestead exemption with the county by April 1. It is worth a note on your calendar.

Historic District and Wynnton homes

The Historic District, Wynnton and Lakebottom hold many older houses. If yours needs work, a renovation program can include that cost in your loan.

Columbus programs

Soldiers, students and longtime locals.

A North Columbus family home, a historic house near Uptown and a rental near post each take a different plan. Pick one to see who it serves.

VA

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

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

FHA

A lower down payment and flexible credit guidelines, insured by FHA. FHA overview.

Often a fit for: first-time buyers in north Columbus, Midland and Fortson.

Conventional

Buy or refinance across Muscogee and Harris counties with options from many lenders.

Often a fit for: buyers with strong credit.

DSCR Investor

Rental income, not personal income, qualifies the property.

Often a fit for: investors renting to military households and Columbus State students.

Renovation

Finance a historic house and its updates in one loan.

Often a fit for: Historic District, Wynnton and Lakebottom buyers.

Bank Statement & Asset-Based

Qualify on deposits or liquid assets rather than tax returns.

Often a fit for: contractors and Chattahoochee Valley business owners.

Jumbo

Above $832,750, typically larger homes in Green Island Hills or acreage in Harris County.

Often a fit for: a smaller group of luxury buyers.

Bridge

Buy the new place first using equity in the old one. Bridge loan info.

Often a fit for: move-up buyers relocating within the valley.

Starter homes

Could your first Columbus home be closer than you think?

A first home in Columbus does not always take years of saving. Lower down payment options exist on several loans, and a gift from a parent or relative may cover part of it. Ask us to run the cash to close on each one.

Valley coverage

Midtown, north Columbus and Harris County.

On the Georgia side of the Chattahoochee, we help buyers in Muscogee, Harris, Chattahoochee and Talbot counties.

In Columbus

Uptown · Historic District · Midtown · Wynnton · Lakebottom · Green Island Hills · North Columbus · Midland

Harris County

Hamilton · Pine Mountain · Cataula · Fortson · Ellerslie · Waverly Hall

Nearby

Cusseta · Upatoi · Talbotton

From Midland and Green Island Hills to Harris County towns like Hamilton and Pine Mountain, we help with homes throughout Muscogee and Harris counties.

Client reviews

Real feedback from real borrowers.

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

Columbus home loan answers.

Don’t see yours? Call (877) 991-7283.

Can I start the VA process before I report to Fort Benning?

Yes. You can request your Certificate of Eligibility, get preapproved and begin shopping while still at your current station. We plan the contract and closing around your report date.

Can I use my VA benefit again after selling my last home?

Usually. Once your prior VA loan is paid off and the home is sold, your entitlement can be restored for the next purchase. Even if you kept the old house, you may have remaining entitlement, and we can check your Certificate of Eligibility to see.

What closing costs should I plan for on a Georgia purchase?

Expect items like the closing attorney’s fee, title insurance, the appraisal, Georgia’s intangible recording tax on the loan and prepaid taxes and insurance for escrow. Your Loan Estimate lists them line by line, and we walk through it with you.

Can I buy a rental near Columbus State University?

Yes. Investors near Columbus State’s main campus and its RiverPark campus downtown often choose between a DSCR loan, which looks at the lease or market rent, and a conventional investment loan, which looks at your W-2 and tax returns. Reserves and property type matter for both, so we review them up front.

Can I finance a Historic District home that needs repairs?

Often. A renovation loan bundles the purchase and the repair budget, with the appraisal based on the home’s value once the work is finished. Exterior changes inside Columbus’s local historic districts may go through design review, so get those approvals lined up before contractors start.

Why use a broker instead of a single bank?

A bank on its own can only show its own programs. As a broker licensed in Georgia, we put one application in front of several wholesale lenders, which matters when you’re weighing VA against FHA or buying your first rental.

Local market guides

More Georgia guides.

Georgia overview · Atlanta · Savannah · Augusta · Athens

Report date coming up? Let's plan your purchase.

Still at your current duty station? You can begin online or by phone before you ever arrive in Columbus, and a loan officer will follow up with you personally.

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

Columbus mortgage broker.PCS-ready VA guidance.