Richmond, Virginia

Richmond mortgage broker.
The Fan, Church Hill, Chesterfield.

Virginia contracts come with financing and appraisal deadlines, and Richmond homes range from Fan rowhouses to Chesterfield subdivisions. Oak Capital Mortgage brings both into focus, shopping the loan across our wholesale lenders while a Virginia-licensed loan officer tracks every date.

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

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

River City

Virginia know-how for Richmond-area buyers.

Richmond has a little of everything, from century-old rowhouses in the Fan to new subdivisions in Chesterfield and Hanover. We match the loan to the house and keep your Virginia contract deadlines in view.

Built for older homes

Many Richmond homes in neighborhoods like Church Hill, the Fan and Northside are well over a century old. When a house needs work, we can look at renovation financing that rolls improvements into one loan.

Contingency deadlines met

Virginia purchase contracts usually set dates for financing and appraisal. We get your documents in early so those dates pass without surprises.

You choose the settlement agent

Virginia law lets you select your own settlement agent, an attorney or a licensed title company. We coordinate with whoever you pick, plus your agent and lender, so settlement day runs smoothly.

Rentals near VCU and Scott's Addition

VCU, Scott’s Addition and Manchester draw renters. A DSCR program sizes the loan on rent rather than your pay stubs.

RVA programs

Rowhouses, new builds and West End classics.

Rowhouse near VCU, family home in Henrico, rental in Manchester, Church Hill fixer-upper. Each one has a program that suits it, listed here.

Conventional

Buy or refinance in the city or the counties, with lenders compared for you.

Often a fit for: established borrowers across the Richmond area.

FHA

FHA-backed, with a lower down payment and flexible credit. All about FHA.

Often a fit for: first-time buyers in Northside, Southside and eastern Henrico.

Renovation

Finance the house and its improvements together, based on value after the work.

Often a fit for: Church Hill, Jackson Ward, Northside and Fan buyers.

VA

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

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

DSCR Investor

Qualification is based on the property’s rent.

Often a fit for: landlords near VCU, Scott’s Addition and Manchester.

Bank Statement & Asset-Based

Use deposits or liquid assets in place of tax returns.

Often a fit for: contractors and small business owners.

Jumbo

Loans above $832,750 for Windsor Farms, the Near West End and Goochland.

Often a fit for: luxury and estate buyers.

Bridge

Buy before you sell with equity from your current home. Bridge loan guide.

Often a fit for: families moving up in the Richmond area.

First keys

Ready to own your corner of RVA?

A first rowhouse near VCU or a starter home in Chesterfield may need less cash than you think. Some programs take a smaller down payment, and some allow help from family as a gift. We lay out the upfront amount for each one.

City and counties

The Fan, Church Hill and the counties around them.

We help buyers in the City of Richmond and across Henrico, Chesterfield, Hanover and Goochland counties.

In the city

The Fan · Museum District · Church Hill · Jackson Ward · Scott’s Addition · Northside · Manchester · Forest Hill · Windsor Farms

West & North

Short Pump · Glen Allen · Tuckahoe · Mechanicsville · Ashland · Goochland

South & East

Midlothian · Bon Air · Chester · Moseley · Varina · Sandston

Henrico, Chesterfield, Hanover and Goochland are all within our Virginia license. If the move involves a home in North or South Carolina, we can help with that one too.

Client reviews

Hear what our clients think.

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

Richmond buyers want to know.

Don’t see yours? Call (877) 991-7283.

Can I finance a Fan or Church Hill rowhouse that needs work?

Often. Many Fan and Church Hill rowhouses come with old wiring, tired kitchens or roof work, and a renovation mortgage can wrap those costs into the purchase, appraised on what the house will be worth afterward. Properties in Richmond’s old and historic districts may need city review before exterior changes, so sketch the project first.

Is a Richmond rowhouse treated like a condo?

Usually not. Most rowhouses are owned outright like a single-family home, so there’s no condo project review. Some converted buildings are set up as condos, which adds a look at the association’s finances.

What should I know about new construction in Chesterfield or Hanover?

Expect builder timelines, HOA documents and possibly a preferred-lender incentive. You can still compare outside financing, and we’ll plan around a closing date that may move as the build progresses.

What loan works for a rental near VCU or Oregon Hill?

Investors around VCU’s Monroe Park campus and Oregon Hill usually weigh two loans. DSCR financing is sized on the house’s rent, while a conventional investment mortgage leans on your own pay stubs and returns. Multi-unit conversions are common in the Fan, so we confirm the legal unit count before you write an offer.

Do I need owner's title insurance in Virginia?

Your lender will require a lender’s title policy. An owner’s policy, which protects you, is optional but commonly purchased. Your settlement agent, which you have the right to choose, can explain the cost.

Does talking to you start a credit check?

Not at all. You can ask about the Fan, Henrico or what a payment might look like without any inquiry landing on your report. We pull credit only once you’ve decided to apply and said yes.

Local market guides

More Virginia guides.

Virginia overview · Virginia Beach · Norfolk · Northern Virginia · Charlottesville

Let's talk about your Richmond move.

Short Pump, Midlothian, Mechanicsville or downtown: two minutes online, or a phone call, is all it takes to get a licensed loan officer working on your file.

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

Richmond mortgage broker.The Fan, Church Hill, Chesterfield.