Greensboro, North Carolina

Greensboro mortgage broker.
Historic Fisher Park, new Summerfield.

From a historic house in Fisher Park to new construction in Summerfield, Greensboro homes vary a lot. Oak Capital Mortgage, an independent broker, puts several wholesale lenders side by side, and a North Carolina-licensed loan officer walks you from preapproval to closing.

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

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

Gate City

Straightforward guidance for Triad buyers.

Greensboro offers a wide range of homes, from historic houses in Fisher Park to new construction in northern and eastern Guilford County. We help you compare your options clearly and move quickly when the right home comes up.

Offers that hold up in due diligence

North Carolina contracts include a due diligence period. A solid preapproval lets you write a confident offer and spend that window on inspections and the appraisal.

Summerfield and Whitsett new builds

Buying from a builder in Summerfield, Whitsett or McLeansville? We set builder-preferred financing next to options from our lender network so you can weigh both.

Rentals near UNCG and NC A&T

With UNCG, NC A&T and Guilford College in town, rentals stay in demand. DSCR loans qualify on the property’s rent instead of your tax returns.

Fisher Park and Westerwood homes

Older houses in Fisher Park, Westerwood, Lindley Park and Sunset Hills often need updates. A renovation loan can fund the work with the purchase.

Triad programs

Campus rentals, historic homes and new builds.

A starter home near Guilford College, a College Hill renovation or a rental near UNCG each take a different approach. Select a program to learn more.

FHA

A lower down payment and flexible credit standards, insured by FHA. FHA basics.

Often a fit for: first-time buyers in Jamestown, McLeansville and east Greensboro.

Conventional

Covers resale homes and Summerfield or Whitsett new construction, with lenders compared for you.

Often a fit for: solid-credit buyers with steady pay.

VA

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

Often a fit for: Triad veterans and eligible surviving spouses.

DSCR Investor

The property’s rent, not your tax returns, carries the loan.

Often a fit for: landlords near UNCG, NC A&T and Guilford College.

Renovation

Purchase and improvements wrapped into one mortgage.

Often a fit for: Fisher Park, Westerwood, Lindley Park and Sunset Hills buyers.

Bank Statement & Asset-Based

Qualify on deposits or liquid assets instead of returns.

Often a fit for: furniture, logistics and trades business owners.

Jumbo

Loans above $832,750 for Irving Park, Summerfield and Oak Ridge.

Often a fit for: estate homes and larger lots.

Bridge

Buy before you sell, using equity you’ve built. Bridge loan details.

Often a fit for: Triad move-up buyers with larger loan amounts.

First purchase

Buying your first home in Greensboro?

Many Greensboro renters could own sooner than they expect. Some programs need a smaller down payment, and some welcome gift funds from relatives. We map out the cash to close for each, so you can shop Guilford County with a plan.

Guilford and around

Fisher Park, Summerfield and the Triad.

Our Triad coverage includes Guilford, Forsyth, Alamance, Randolph and Rockingham counties, from downtown Greensboro to High Point and Winston-Salem.

In Greensboro

Downtown · Fisher Park · Irving Park · Westerwood · Lindley Park · Sunset Hills · College Hill · Starmount · Lake Jeanette · Adams Farm

North & West

Summerfield · Oak Ridge · Stokesdale · Browns Summit · Kernersville · Winston-Salem

South & East

High Point · Jamestown · Pleasant Garden · McLeansville · Whitsett · Gibsonville · Burlington

Moving between Charlotte and Guilford County? The whole trip stays inside North Carolina, so we can help with financing at both ends.

Client reviews

Straight from our 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

Questions from Triad buyers.

Don’t see yours? Call (704) 275-8175.

How big a due diligence fee should I offer in Greensboro?

There’s no set amount; it’s negotiated and tends to rise when homes get multiple offers. The fee goes to the seller and is generally non-refundable unless the seller breaches. Your agent can gauge what’s typical for the neighborhood, and we’ll make sure your loan is ready to support the offer.

Should I take the builder's lender incentive in Summerfield or Whitsett?

Look past the headline. A Summerfield or Whitsett builder may offer closing-cost credits for using its in-house lender, and that can be valuable, but fees, terms and timing count too. Ask the builder for the incentive in writing, and we’ll price the same home with an outside lender.

Can I qualify on rent for a house near UNCG or NC A&T?

Often. Houses around UNCG, College Hill and the A&T campus tend to rent steadily, and a DSCR loan lets that rent, from a lease or the appraiser’s market rent schedule, do the qualifying. Guidelines on property type and rent coverage vary, so we compare lenders before you offer.

Will an older Fisher Park or Westerwood home pass for financing?

Most older homes finance without trouble when they’re in sound condition. If the appraisal or inspection flags repairs, a renovation loan can fund them with the purchase. A good inspection during due diligence tells you where you stand.

Do I need a lawyer to close in Greensboro?

In North Carolina, only a licensed attorney can conduct a residential closing, so your Greensboro purchase closes through a law office. Buyers pick their own attorney, often on their agent’s suggestion. That office handles the title search, the deed and the money, and we feed it the lender’s documents.

Can I ask you questions without a credit check?

Of course. Ask about Summerfield new builds, Fisher Park fixer-uppers or anything else, and nothing hits your credit report. A credit pull happens only after you choose to apply and authorize it.

Local market guides

More North Carolina guides.

North Carolina overview · Charlotte · Raleigh · Asheville · Wilmington

Let's get your Greensboro plan started.

Greensboro, High Point, Winston-Salem or anywhere else in the Triad: send a quick online form or call. A licensed loan officer will follow up with you directly.

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

Greensboro mortgage broker.Historic Fisher Park, new Summerfield.