Oak Capital

Mortgage

Buy a Home
Buying a home

Homes with a lender credit

Black Friday closing credit

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

Oak Capital

Mortgage

Buy a Home

Buying a home
Homes with a lender credit
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

Secure your 1% closing credit

1% of your loan back at closing, up to $7,500. Purchase loans. Apply by 12/31/2026 and close by 3/31/2027. Answer a few quick questions so we can show you what the credit can do.

Where's the property?

North Carolina South Carolina Georgia Florida Virginia

City or ZIP

What type of property is it?

Single family Townhouse Condo 2–4 units

How will you use the property?

Primary home Second home Investment

How would you like to qualify?

My personal income The property's rental income Not sure

What's the expected monthly rent?

Under $1,500 $1,500–2,500 $2,500–4,000 $4,000+ Not sure

How many investment properties do you own now?

None yet 1–2 3–9 10+

Where are you in the process?

Under contract Found a home Shopping now 3+ months out

What's your expected price range?

Under $250K $250–400K $400–600K $600–800K $800K–1M $1M+

How much do you plan to put down?

Under 5% 5–9% 10–19% 20%+ Not sure

Is this your first home purchase?

Yes No

Have you or your spouse served in the military?

Yes No

Are you working with a real estate agent?

Yes No

What's your agent's name? (optional)

How do you earn your income?

W-2 / salaried Self-employed / business owner Retired Rental property income Other

Do your tax returns show your full income?

Yes No, I write off a lot Not sure

What's your estimated credit score?

740+ 700–739 660–699 620–659 580–619 Below 580 Not sure

Do you own a home right now?

No, I rent No, I live with family Yes, and I'll sell it Yes, and I'm keeping it

How much have you saved for your down payment and closing costs?

Under $5K $5–15K $15–30K $30–60K $60K+

What's your total yearly household income?

Under $50K $50–75K $75–100K $100–150K $150K+ Prefer not to say

Have you been preapproved by another lender?

No Yes

Where should we send your options?

First Name

Last Name

Phone Number

Email Address

Best time to reach you

SMS consent

I agree to receive text messages from Oak Capital Mortgage, LLC about my inquiry at the phone number provided, including follow-up from a licensed loan officer. Messages may be sent using automated technology. Consent is not a condition of any purchase or loan. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our Privacy Policy and SMS Terms.

No credit check. No obligation. Just your options.

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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
Homes with a Lender Credit
Refinance
Home Equity
All Loan Programs

Company

Our Team
Reviews
Learning Center
Contact

Licensing

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

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.