Myrtle Beach, South Carolina

Myrtle Beach mortgage broker.
Oceanfront condos, Carolina Forest homes.

On the Grand Strand, many buyers are retiring, adding a second home or buying a rental, often while living somewhere else. Oak Capital Mortgage compares programs from multiple wholesale lenders for each of those uses, and a South Carolina-licensed loan officer guides you to closing.

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

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

Grand Strand

Beach-market know-how, wherever you live now.

Many Grand Strand buyers are retiring here, buying a second home or adding a rental, and plenty are still living somewhere else when they buy. We make the process work from a distance.

Oceanfront condo reviews

Condo loans depend on the building as well as the buyer. We check how a project fits lender guidelines up front and turn to lenders who finance non-warrantable condos when needed.

Second home or rental?

A beach place you visit and a unit you rent out follow different rules. We help you choose the right occupancy type before you make an offer.

Retiring on savings

Moving to Market Common or Murrells Inlet on investment income? Asset-based programs can qualify you on savings instead of a paycheck.

Wind and flood on the Strand

On the Strand, wind may be written as its own policy, and flood insurance applies in mapped flood zones. Pricing both early keeps the monthly number honest.

Beach programs

Oceanfront condos, golf homes and year-round houses.

An oceanfront condo, a Carolina Forest home and a Market Common retirement place each turn on how you will use the property. Open a program to learn more.

Conventional

Primary residences, second homes, investment properties and refinances along the Strand.

Often a fit for: second-home buyers and full-time residents.

DSCR Investor

Qualify on the unit’s rental income; rental rules vary by city, zoning and HOA.

Often a fit for: Grand Strand vacation-rental investors.

Bank Statement & Asset-Based

Use savings, investments or business deposits to qualify.

Often a fit for: retirees with savings and self-employed buyers.

Jumbo

Loans above $832,750 for oceanfront homes, Grande Dunes and Pawleys Island.

Often a fit for: luxury and larger second-home purchases.

VA

Benefits earned through service, with no down payment required for eligible borrowers, for a primary residence. VA loan essentials.

Often a fit for: veterans making the coast home and eligible surviving spouses.

FHA

A lower down payment and flexible credit; condos must meet FHA project requirements. FHA explained.

Often a fit for: first-time buyers in Conway, Socastee and Surfside Beach.

Renovation

Buy and refresh an older home with one loan.

Often a fit for: older beach cottages and Conway homes.

Bridge

Buy at the beach before your current home sells. Learn about bridge financing.

Often a fit for: relocating buyers with larger loan amounts.

Year-round living

Making the Grand Strand your first home?

Plan to live at the beach year-round? Primary homes open the door to more loan choices, including some with smaller down payments and room for family gifts. Your cash-to-close estimate from us includes insurance and any HOA dues.

Along the Strand

Myrtle Beach and the Grand Strand.

We help buyers throughout Horry County and along the Georgetown County coast, including Conway, Carolina Forest and Pawleys Island.

Myrtle Beach

Oceanfront & downtown · Market Common · Grande Dunes · Carolina Forest · Forestbrook · Socastee

North Strand

North Myrtle Beach · Cherry Grove · Little River · Longs

South Strand & inland

Surfside Beach · Garden City · Murrells Inlet · Pawleys Island · Conway

Shopping Calabash or Sunset Beach just over the North Carolina line? Our NC license covers those towns, so your search can cross the border.

Client reviews

Hear from clients we've helped.

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

Beach condo and second-home questions.

Don’t see yours? Call (704) 275-8175.

Can I buy a Grand Strand condo while living in another state?

Yes. Any lender licensed in South Carolina can finance it, and most of the process runs by phone, video and e-signature. Your closing attorney can often arrange for you to sign away from the coast, subject to lender requirements.

What makes a Myrtle Beach condo hard to finance?

Hotel-like features such as a front desk, rental programs or daily cleaning can make a building non-warrantable. Lenders also review the HOA’s finances, insurance and owner-occupancy. We check the building first and turn to lenders who handle non-warrantable condos when needed.

Second home or rental: which loan fits my beach place?

Ask yourself who will sleep there most nights. A place you mainly keep for your own beach weeks usually qualifies as a second home, while a condo bought to fill a rental calendar is an investment property with its own underwriting. Choosing honestly up front avoids trouble later.

Does the master policy cover my oceanfront condo?

Not all of it. The association’s master policy protects the building’s structure and common areas, while an HO-6 policy covers your unit’s interior, upgrades and belongings. Oceanfront buildings may also carry large wind or flood deductibles that owners can be assessed for, so read the declarations page before you sign.

Is Carolina Forest or Market Common financed differently from the oceanfront?

Inland single-family homes and townhomes usually finance with standard programs, with HOA dues counted in your budget. Oceanfront condos get extra project review. Both are workable; the paperwork just differs.

Who closes a Horry County purchase?

An attorney’s office handles every South Carolina closing, including the title exam, recording and payout. For most home loans, Horry County buyers pick the firm. We send the lender’s package there and keep everyone on the same date.

Local market guides

More South Carolina guides.

South Carolina overview · Fort Mill & Rock Hill · Charleston · Greenville · Columbia

Let's talk about your Grand Strand purchase.

Living several states away right now? That is normal here. Begin online or by phone, and a licensed loan officer will handle the rest with you remotely.

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

Myrtle Beach mortgage broker.Oceanfront condos, Carolina Forest homes.