Charlottesville, Virginia

Charlottesville mortgage broker.
Faculty moves, Albemarle acreage.

Charlottesville buyers might want a house near Grounds, a newer place in Crozet or land out in Albemarle County. Each kind of property brings its own lender questions, and as a broker we can take yours to the wholesale lenders that fit it.

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

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

Central Virginia

A university town with a country backyard.

The University of Virginia and UVA Health anchor much of the local economy, and the housing ranges from historic in-town homes to farms and acreage in the foothills. Each kind of property brings its own financing questions.

Acreage, wells and septic

Homes with land, wells and septic systems need a little more planning around appraisals and inspections. We help you see what lenders will ask for before you go under contract.

Ready for academic start dates

Faculty, physicians and staff often move on a set start date. We get you preapproved early so you can shop with confidence, even from out of state.

Ivy, Keswick and Glenmore

Higher-priced homes in Ivy, Keswick, Farmington and Glenmore may run past the conforming limit. We compare jumbo guidelines across lenders.

Belmont and Woolen Mills updates

Older homes in Belmont, Woolen Mills and Fry’s Spring often need work. Renovation financing can cover it with the purchase.

C'ville programs

In-town homes, county acreage and campus rentals.

Belmont first home, rental near the Corner, Crozet family house, Keswick estate: four very different loans. Find yours below.

Conventional

Buy or refinance in the city or the county with programs from many lenders.

Often a fit for: university, hospital and local buyers with good credit.

Jumbo

Loans above $832,750 for estates and larger homes in Ivy, Keswick, Farmington and Glenmore.

Often a fit for: physicians, executives and estate buyers.

Bank Statement & Asset-Based

Deposits or liquid assets qualify you instead of tax returns.

Often a fit for: physicians in private practice, consultants and business owners.

DSCR Investor

Qualify on the property’s rent, not your personal income.

Often a fit for: landlords near UVA and in-town neighborhoods.

VA

Earned through service: no down payment required for eligible borrowers. VA home loan basics.

Often a fit for: Central Virginia veterans and eligible surviving spouses.

FHA

FHA-insured, with a lower down payment and flexible credit. FHA loans explained.

Often a fit for: first-time buyers in Ruckersville, Palmyra and Crozet.

Renovation

Finance the house and its updates together.

Often a fit for: Belmont, Woolen Mills and Fry’s Spring buyers.

Bridge

Buy first, then sell, using equity in your current home. Bridge loan overview.

Often a fit for: move-up buyers headed out to the county.

First home

Ready to put down roots in Charlottesville?

Charlottesville is a competitive college town, and that can make a first home feel distant. The gap may be smaller than it looks. Ask which loans you qualify for that take less money down or accept gift funds, and we will show what each needs at closing.

City and county

Belmont to Crozet, and out into Albemarle.

We help buyers in the City of Charlottesville and Albemarle County, and in nearby Greene, Fluvanna, Louisa and Nelson counties.

In Charlottesville

Downtown · North Downtown · Belmont · Fry’s Spring · Woolen Mills · Locust Grove · Venable · Lewis Mountain

Albemarle County

Crozet · Ivy · Keswick · Earlysville · Pantops · Forest Lakes · Hollymead · Glenmore

Nearby

Ruckersville · Lake Monticello · Palmyra · Louisa · Nellysford · Scottsville

Leaving the Carolinas for Central Virginia, or heading south? Our licenses cover Virginia and both Carolinas, so we can help on both ends.

Client reviews

What clients say about the process.

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

Charlottesville and Albemarle questions.

Don’t see yours? Call (877) 991-7283.

Can I finance a home on acreage in Albemarle County?

Often. Many lenders finance homes on larger lots, though rules on acreage, outbuildings and land use differ from lender to lender. Expect well and septic inspections on rural properties, and we’ll match you with a lender comfortable with the land.

I'm joining UVA or UVA Health. Can I buy before my start date?

Frequently. Many new UVA and UVA Health hires buy before their first day, since some lenders accept a signed offer letter in place of pay stubs, subject to their guidelines. Send us the letter and your start date, and we’ll build the timeline from there.

What does a Virginia settlement agent do?

The settlement agent runs your closing: collecting funds, preparing the settlement statement, recording documents and paying everyone out. It can be a Virginia attorney or a licensed title company or agent, and Virginia law lets you choose.

Can a student rental near the Corner qualify on its rent?

It can work. Student demand around the Corner and Jefferson Park Avenue keeps investors interested, and a DSCR loan sizes the deal on market rent rather than your W-2. Zoning can differ block by block, so have the specific address checked before you sign.

When does an Ivy, Keswick or Farmington home need a jumbo loan?

Estates in Ivy, Keswick and Farmington often push the loan above $832,750, the 2026 conforming cap for one-unit homes in Albemarle County and the city. Above that line, lenders set their own appetite for acreage, reserves and documentation, and those rules differ more than buyers expect.

Do you work with just one bank?

No. Oak Capital is an independent broker, not a bank, so we line up offers from several wholesale lenders, from jumbo programs for Albemarle estates to FHA for first homes in Crozet, and manage the file until settlement.

Local market guides

More Virginia guides.

Virginia overview · Richmond · Virginia Beach · Norfolk · Northern Virginia

Let's talk about your Charlottesville move.

Starting a role at UVA or UVA Health? You can get preapproved before you arrive. Use the quick form or call us to begin.

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

Charlottesville mortgage broker.Faculty moves, Albemarle acreage.