Buy a home
Buy a Home with a Clear Plan
Whether you’re buying your first home or moving up to your next one, the mortgage process should be straightforward and honest.
Takes about 2 minutes. A quick inquiry, not a loan application.
Who it's for
One application. Multiple lenders. A plan that fits your budget.
As an independent mortgage broker, Oak Capital Mortgage works for you, not for a bank. With one application, we shop multiple wholesale lenders for terms that fit your goals and your budget.
First-time buyers
New to the process? Start with our first-time home buyer guide and a conversation with a licensed loan officer.
Move-up buyers
Buying your next home? We compare programs across lenders so your financing fits the move you are planning.
Relocating buyers
Whether you are buying in Charlotte or relocating across the Southeast, we lend in North Carolina, South Carolina, Georgia, Florida and Virginia.
The details
The pre-approval advantage
A preapproval can help you understand the loan amount you may qualify for and show sellers that you have taken a serious first step. It is based on a review of your financial information and remains subject to lender requirements, underwriting and an acceptable property. We recommend starting this conversation before you begin house hunting. Learn about pre-approval.
We work well with your real estate agent. Already working with an agent? Even better. We partner with real estate agents across our five-state footprint to keep your transaction on track, with clear timelines, honest communication and no surprises at the closing table.
Loan options for first-time and move-up buyers:
- Conventional loans: fixed-rate and adjustable-rate options, including lower down payment programs for eligible borrowers.
- FHA loans: flexible qualification guidelines and lower down payment options for eligible borrowers; mortgage insurance applies.
- VA loans: options for eligible veterans, service members and surviving spouses; eligibility and lender requirements apply.
- Bank statement and investor programs: alternative financing for qualifying self-employed borrowers and real estate investors.
Comparing down payment options? See low down payment purchase options.
Why buyers work with us
- One application, multiple wholesale lenders
- Pre-approval guidance before you shop
- Coordination with your real estate agent
- Licensed in NC, SC, GA, FL and VA
How it works
One conversation. Many lenders. Your choice.
As a broker, we don’t have one loan to sell you. We compare programs across lenders and walk you through the trade-offs in plain language.
Tell us your goal
A short inquiry: what you want to do, and how to reach you.
We review your options
A licensed loan officer looks at programs across our lender network.
You choose
Compare the trade-offs side by side. No pressure to move forward.
We guide you to closing
Application, processing and underwriting, with one team keeping you updated.
What is the difference between pre-approval and pre-qualification?
Pre-qualification gives a general estimate based on the financial information you share. Pre-approval involves a detailed review of your income, assets and credit, which gives you a stronger position when making an offer.
Do you work with my real estate agent?
Yes. We partner with real estate agents across our five-state footprint to keep your transaction on track.
Which states do you lend in?
Oak Capital Mortgage is licensed in North Carolina, South Carolina, Georgia, Florida and Virginia.
How much do I need for a down payment?
It depends on the program, the property and your situation. We’ll walk you through what each option requires.
How long does the mortgage process take?
It varies with the loan program and your application. Once we review your situation, a licensed loan officer will walk you through what to expect.
Compare programs
Explore other loan programs
Program availability, eligibility and guidelines vary by lender and may change without notice. All loans are subject to credit approval, underwriting guidelines and property eligibility. This is not a commitment to lend.
See what's possible for your next move.
Two minutes to tell us your goal. A licensed loan officer follows up personally.