Greenville, South Carolina
Greenville mortgage broker.
Mill villages and Keowee views.
People move to Greenville for jobs along I-85, for downtown, and for weekends on Lake Keowee. Whatever brings you, Oak Capital Mortgage can shop your loan with a long list of wholesale lenders. Your loan officer is licensed in South Carolina.
- 5.0 on Google
- Serving Greenville & the Upstate
- Licensed in South Carolina
Takes about 2 minutes. A quick inquiry, not a loan application.
Conventional • Jumbo • Renovation • FHA • VA • Bank Statement • DSCR Investor • Bridge
Upstate SC
Ready for Upstate moves, big and small.
Greenville draws people from all walks of life: new arrivals for work, families moving up, and buyers looking toward the lakes and mountains. We help each one find a loan that fits.
Moving here for a new job
With BMW and Michelin operations near GSP and Pelham Road, many buyers come to the Upstate for work. We can start your preapproval before you arrive and work around house-hunting trips.
Lake Keowee and Hartwell homes
Lake properties and acreage do not always fit one bank’s guidelines. We look across lenders for jumbo and second-home options that do.
West Greenville mill houses
West Greenville mill houses and mid-century homes in established neighborhoods often need updating. Put the cost of the work into the mortgage with a renovation program.
Rentals near Furman and Clemson
Investors near downtown, Furman University or Clemson often prefer DSCR programs, which judge the deal by rent against the payment.
Upstate programs
Mill houses, lake homes and new subdivisions.
Downtown townhome? Simpsonville new build? Something on Lake Keowee? The right loan depends on which. Each program below lists who it suits.
Conventional
Primary homes, second homes and refinances across the Upstate.
Often a fit for: relocating professionals and local buyers with solid credit.
Jumbo
Loans above $832,750 along Augusta Road and North Main, in mountain communities and on Lake Keowee.
Often a fit for: lake and luxury buyers.
FHA
FHA-insured, with a lower down payment and flexible qualifying. See how FHA works.
Often a fit for: first-time buyers in Greer, Mauldin, Simpsonville and Easley.
VA
Benefits earned through service, with no down payment required for eligible borrowers. VA loan info.
Often a fit for: Upstate veterans and eligible surviving spouses.
Bank Statement & Asset-Based
Qualify using deposits or assets instead of tax returns.
Often a fit for: contractors and owner-operators across the Upstate.
Renovation
Fund the purchase and the fix-up together.
Often a fit for: mill houses and mid-century ranches.
DSCR Investor
The property’s rent does the qualifying.
Often a fit for: landlords near downtown, Furman and Clemson.
Bridge
Buy the next home first with equity from your current one. Read about bridge loans.
Often a fit for: move-up buyers headed to the lake or the foothills.
Ready to own?
Make Greenville your first home base.
Thinking of buying in Greer, Mauldin or Simpsonville for the first time? Some loan programs need less money down, and family can sometimes give part of it. We line up the cash to close for every program you qualify for.
Upstate coverage
Downtown Greenville to the lakes and foothills.
We help buyers across Greenville, Spartanburg, Pickens, Anderson and Oconee counties, from city neighborhoods to lake and mountain communities.
In Greenville
Downtown · North Main · Augusta Road · Alta Vista · Overbrook · Village of West Greenville · Hollingsworth Park · Verdae
Greenville County
Greer · Taylors · Travelers Rest · Simpsonville · Mauldin · Fountain Inn · Five Forks
Around the Upstate
Spartanburg · Easley · Anderson · Clemson · Lake Keowee · Lake Hartwell
Greenville and Charlotte are linked by I-85, and we are licensed in both Carolinas. If you are moving either way, we can help at each end.
Client reviews
Client stories worth reading.
Can I get preapproved with a job offer before I move to the Upstate?
Often. People relocating to the Upstate regularly start house-hunting with only a signed offer letter, which some lenders accept under their guidelines. Send the letter and your first-day date, and we’ll line up preapproval so you can tour Greer, Simpsonville or downtown with confidence.
What changes when the home is on Lake Keowee or Lake Hartwell?
Docks and shoreline use follow rules set by the authority that manages each lake, so ask about permits. Lenders also treat second homes differently from primary residences, and higher prices may mean a jumbo loan. We sort through all of it early.
Can I finance a mill house in West Greenville or Judson?
Yes. Mill village houses around West Greenville, Judson and Poe Mill were built sturdy, and many finance like any other single-family home once they’re in decent shape. Where floors, wiring or the roof need attention, a renovation loan can fold that budget into your purchase.
Do foothills homes near Travelers Rest need special inspections?
Often. Rural properties may have wells, septic systems or private roads, and each can require a test, inspection or maintenance agreement. Book them as soon as you’re under contract.
Can I pick the attorney for my Greenville closing?
Usually. Under South Carolina law, a borrower on a consumer home loan has the right to select the closing attorney, and an attorney must supervise every residential closing. Many Greenville buyers ask their agent for a few names. Tell us who you choose and we’ll send the loan documents there.
Will you run my credit just to talk options?
No. We can discuss programs and numbers without touching your credit. A credit check comes later, with your permission, when you apply.
Local market guides
More South Carolina guides.
Moving to the Upstate? Let's talk.
Relocating for a job near Pelham Road or GSP, or already living downtown? Fill out our quick form or call, and a loan officer will reach out personally.
Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.