Columbia, South Carolina

Columbia mortgage broker.
Soldiers, students, state workers.

Columbia is home to soldiers at Fort Jackson, state and university staff, and buyers drawn to Lexington and Lake Murray. Oak Capital Mortgage weighs what each of them needs across a network of wholesale lenders, with a South Carolina-licensed loan officer leading the way.

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

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

Midlands

Midlands know-how for every kind of move.

Columbia brings together military families, state and university employees, first-time buyers and investors. We help each compare the loans that fit their plans.

Fort Jackson and Shaw AFB

With Fort Jackson in town and Shaw Air Force Base near Sumter, the Midlands has a large military community. We help eligible buyers use VA benefits on PCS timelines.

Legal residence tax treatment

South Carolina assesses an owner-occupied legal residence at a lower ratio than a second home or rental. We point you to the county application once you move in.

Shandon and Melrose Heights homes

Older houses in Shandon, Rosewood, Earlewood and Melrose Heights often need updates. A renovation loan can pay for the work with the purchase.

Rentals near USC and Five Points

Investors buying near campus can qualify with a DSCR loan, which looks at the rent the property supports rather than personal income.

Midlands loans

Fort Jackson orders to Lake Murray docks.

Rosewood bungalow? Lexington new build? Rental near the university? Match your plan to a program below.

VA

Benefits earned through service, with no down payment required for eligible borrowers. VA loans 101.

Often a fit for: Fort Jackson and Shaw AFB personnel, veterans and eligible surviving spouses.

FHA

FHA-backed financing with a lower down payment and flexible qualifying. Learn more about FHA.

Often a fit for: first-time buyers in West Columbia, Cayce and Northeast Columbia.

Conventional

Buy or refinance with options from many lenders, compared in one place.

Often a fit for: solid-credit buyers in Richland, Lexington and Kershaw counties.

DSCR Investor

The rent pays the way: qualification rests on the property, not your paycheck.

Often a fit for: landlords near USC and Five Points.

Renovation

Finance an older home and its updates together.

Often a fit for: Shandon, Rosewood, Earlewood and Melrose Heights buyers.

Bank Statement & Asset-Based

Deposits or liquid assets stand in for tax returns.

Often a fit for: Midlands business owners and independent professionals.

Jumbo

Loans above $832,750 for Lake Murray waterfront and larger in-town homes.

Often a fit for: lake and luxury buyers.

Bridge

Buy the next home before selling the current one. Bridge loan guide.

Often a fit for: Midlands families moving up.

Owning sooner

Picture yourself owning in Columbia?

Renting near USC or in Northeast Columbia while you save? Ownership might arrive sooner. Smaller down payments are possible on several programs, and relatives can sometimes help with a gift. You will see the cash to close for each before deciding.

Around Soda City

Shandon to Lake Murray, Irmo to Blythewood.

Our Midlands coverage includes Richland, Lexington and Kershaw counties, plus Sumter County for families tied to Shaw AFB.

In Columbia

Shandon · Rosewood · Earlewood · Elmwood Park · Melrose Heights · Heathwood · Forest Acres · Downtown & the Vista

Lexington County

Lexington · West Columbia · Cayce · Irmo · Chapin · Lake Murray

Northeast & beyond

Northeast Columbia · Blythewood · Lake Carolina · Elgin · Camden · Sumter

Richland, Lexington and Kershaw counties are all in reach, along with Sumter. Selling up in North Carolina before you move? That side is covered by our license too.

Client reviews

Real words from real clients.

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

Midlands home loan questions.

Don’t see yours? Call (877) 991-7283.

I'm PCSing to Fort Jackson or Shaw. How early should I start?

Start the day your orders land. Soldiers headed to Fort Jackson and airmen bound for Shaw often shop Lexington, Northeast Columbia or Sumter from their current station, using the orders and a Certificate of Eligibility to get preapproved. We then work backward from your report date to set the closing.

How does South Carolina's legal residence assessment work?

A home you own and live in as your legal residence is assessed at a lower ratio than a second home or rental. You apply with the county assessor, Richland or Lexington for most buyers here, after you buy. It can lower your tax bill noticeably, and we reflect it in your escrow estimate.

What do I need to buy a rental near USC or Five Points?

Two routes are common for houses around USC, Rosewood and Five Points. A DSCR loan looks at what the property should rent for; a conventional investment loan looks at your personal income and debts. Either way, lenders want cash reserves after closing, and we’ll show how much each route asks for.

Can I finance a home on Lake Murray?

Yes, as a primary or second home. Waterfront features like docks and shoreline may need extra review, and higher prices can push the loan into jumbo territory. Check the flood designation too.

Does South Carolina require a lawyer at closing?

It does. In South Carolina an attorney must oversee the residential closing, including the title search, recording and payout, and the law lets most home borrowers name the attorney they want. Midlands buyers can use a firm in Lexington, downtown Columbia or anywhere convenient; we handle the coordination either way.

What does a broker do that a single lender can't?

Think of it as shopping several lenders without filling out several applications. We collect your documents once and compare wholesale lenders whose guidelines suit Midlands buyers, from first-time FHA purchases to Lake Murray jumbos.

Local market guides

More South Carolina guides.

South Carolina overview · Fort Mill & Rock Hill · Charleston · Greenville · Myrtle Beach

Let's map out your Midlands move.

Forest Acres, Irmo or a new assignment at Fort Jackson, the form takes a couple of minutes, or you can simply call. Expect a personal reply from a licensed loan officer.

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

Columbia mortgage broker.Soldiers, students, state workers.