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Oak Capital
Mortgage
  • Buy a Home
    • Buying a home
    • Low down payment options
    • VA loans
    • Get pre-approved
    • First-time home buyers
  • Refinance
    • Refinancing
    • Home equity
    • Loan calculator
  • Loan Programs
    Conventional

    Fixed and adjustable options from a wide range of lenders.

    FHA

    Government-insured loans with flexible qualification guidelines.

    VA

    Benefits earned through service, for eligible borrowers.

    USDA

    Government-backed loans for eligible rural and suburban areas.

    Jumbo

    Financing above conforming loan limits.

    Bank Statement & Asset-Based

    Qualify using bank deposits or liquid assets.

    DSCR Investor

    Qualify on the property’s rental income.

    Renovation

    The purchase or refinance and the improvements in one loan.

    2-1 Buydown

    A lower rate and payment for the first two years.

    Bridge

    Buy your next home before you sell.

    Home Equity

    HELOCs, home equity loans and cash-out.

    Cross-Collateral

    Buy your next home without selling.

    View all loan programs →

    Not sure which fits?

    Tell us your goal and a licensed loan officer compares options across lenders.

    See My Options
  • About
    • Our team
    • Reviews
    • Local guides
    • Learning Center
    • Contact

(704) 275-8175

See My Options
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Oak Capital
Mortgage
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Buy a Home
  • Buying a home
  • Low down payment options
  • VA loans
  • Get pre-approved
  • First-time home buyers
Refinance
  • Refinancing
  • Home equity
  • Loan calculator
Loan Programs
  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
  • Bank Statement & Asset-Based
  • DSCR Investor
  • Renovation
  • 2-1 Buydown
  • Bridge
  • Home equity
  • Cross-collateral
  • All loan programs
About
  • Our team
  • Reviews
  • Local guides
  • Learning Center
  • Contact
See My Options
Call (704) 275-8175

What are you looking to do?

Buy a home

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Refinance

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Home equity (loan or line of credit)

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Buy before you sell (bridge loan)

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Not sure which fits? Call us or send a quick question

★ 5.0 on Google · NMLS #1960829 · No obligation

Oak Capital Mortgage

1800 Central Ave, Suite 301
Charlotte, NC 28205

(704) 275-8175
hello@oakcapitalmortgage.com

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Loans

  • Buy a Home
  • Refinance
  • Home Equity
  • All Loan Programs

Company

  • Our Team
  • Reviews
  • Learning Center
  • Contact

Licensing

Licensed in NC, SC, GA, FL and VA · Licensing & Disclosures

Equal Housing Opportunity

Oak Capital Mortgage, LLC · NMLS #1960829 · NMLS Consumer Access · Equal Housing Opportunity

This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms vary by lender and may change without notice.

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