Fort Mill & Rock Hill, South Carolina

Fort Mill & Rock Hill mortgage broker.
York County homes. More loan options.

Lots of Fort Mill and Rock Hill buyers work in Charlotte or are selling a North Carolina home. Oak Capital Mortgage is licensed on both sides of the state line and compares many wholesale lenders, so Tega Cay, Lake Wylie and Indian Land moves stay coordinated.

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

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

Just south

Charlotte-metro know-how, South Carolina rules.

Many Fort Mill and Rock Hill buyers work in Charlotte, sell a home in North Carolina, or both. We’re licensed in both states and handle the details on each side of the line.

Selling in North Carolina?

Selling in Charlotte and buying in Fort Mill, Tega Cay or Indian Land? One team can arrange financing in both states so the two closings stay in step.

Builder offers, compared

York County and Indian Land have plenty of new communities. You are free to weigh a builder’s offer against options from our lender network before you sign.

Rentals near Winthrop

Rock Hill, Winthrop University and the I-77 corridor draw rental buyers. A DSCR loan lets the lease income, not your personal tax returns, carry the qualification.

Just up I-77

Most of the process happens by phone, video and secure e-signature. Our Charlotte office is a short drive away if that is ever easier.

York County loans

New builds, lake homes and Rock Hill classics.

Rock Hill starter homes, Fort Mill new construction and Lake Wylie lake houses each call for a different loan. Choose one to see who it fits.

Conventional

Resale and new construction across York County and Indian Land, with builder timelines planned in.

Often a fit for: buyers with steady income and good credit.

Jumbo

Loans above $832,750 for lakefront homes in Tega Cay and Lake Wylie and larger Fort Mill properties.

Often a fit for: luxury and waterfront buyers.

FHA

A lower down payment and flexible credit, backed by FHA. What FHA offers.

Often a fit for: first-time buyers in Rock Hill, York and Clover.

VA

Benefits earned through service, with no down payment required for eligible borrowers. VA loan overview.

Often a fit for: veterans and eligible surviving spouses moving south of the state line.

Bridge

Use the equity in your Charlotte-area home to buy in South Carolina first. Bridge loans in detail.

Often a fit for: larger move-up purchases crossing the state line.

Bank Statement & Asset-Based

Qualify on deposits or liquid assets rather than tax returns.

Often a fit for: self-employed buyers working anywhere in the Charlotte region.

DSCR Investor

Rent qualifies the property instead of your personal income.

Often a fit for: landlords near Winthrop University and along I-77.

Renovation

Buy and update an older home in one loan.

Often a fit for: older homes in downtown Rock Hill and historic Fort Mill.

Starter homes

Buying your first home in Fort Mill or Rock Hill?

A first home in Rock Hill can be closer than it looks. Some programs ask for a smaller down payment, and some accept family gifts. Where a York or Lancaster County neighborhood has HOA dues, we fold them into the cash and monthly figures for each option.

York and Lancaster

Fort Mill, Rock Hill and the lake towns.

We help buyers throughout York County, from Tega Cay and Lake Wylie to Clover and York, plus Indian Land in Lancaster County.

Fort Mill & Tega Cay

Historic downtown Fort Mill · Baxter Village · Springfield · Kingsley · Waterside at the Catawba · Tega Cay

Rock Hill & western York County

Downtown Rock Hill · Riverwalk · Near Winthrop University · India Hook · Lake Wylie · Clover · York

Lancaster County

Indian Land · Sun City Carolina Lakes · Van Wyck · Lancaster

Selling near Ballantyne or elsewhere in south Charlotte and buying in York or Lancaster County? We are licensed in both Carolinas, so one team handles the financing at both ends.

Client reviews

Why clients keep recommending us.

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

Crossing the state line? Common questions.

Don’t see yours? Call (704) 275-8175.

I work in Charlotte but want to live in Fort Mill. Does that complicate my loan?

Not at all. Income from a North Carolina employer qualifies the same way, and Oak Capital is licensed in both states. The differences show up in South Carolina’s property taxes and its attorney-supervised closing, which we walk you through.

Is Indian Land part of York County?

No. Indian Land is in Lancaster County, even though it borders Fort Mill and south Charlotte. That affects your property tax bill and where the deed is recorded, but your loan options are the same.

Is the builder's preferred lender my only choice in Fort Mill or Indian Land?

Yes, and it’s worth it. Builders in Fort Mill, Indian Land and Lake Wylie sometimes tie closing-cost credits to their preferred lender, so the question is what the whole package costs you. We’ll price an outside loan on the same house so you can compare credits, fees, terms and closing timing in one view.

Can I buy in South Carolina before my Charlotte house sells?

Often. Depending on your equity and income, you may qualify carrying both homes for a while, or a bridge loan can help on larger loan amounts. We’ll look at timing before you list or make an offer.

How do HOA dues in Tega Cay or Baxter Village affect my budget?

Lenders add monthly HOA dues to your mortgage payment, taxes and insurance when calculating what you can afford. Dues vary widely between communities, so get the exact figure while you’re shopping.

Why does a South Carolina closing involve an attorney?

South Carolina treats closing as the practice of law, so an attorney has to supervise the title work, the signing, recording and disbursement. Buyers coming from Charlotte will find that familiar, since North Carolina also uses attorneys. For most home loans you get to choose the firm.

Local market guides

More South Carolina guides.

South Carolina overview · Charleston · Greenville · Columbia · Myrtle Beach

Let's talk about your Fort Mill or Rock Hill move.

Start online in a couple of minutes or call. Our team is just up I-77 in Charlotte, and a licensed loan officer follows up personally.

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

Fort Mill & Rock Hill mortgage broker.York County homes. More loan options.