Business Details
23 Years
experience
Emergency
services
Your Trusted Mortgage Broker in Jacksonville
Established in 2003, Oak Street Financial has been a trusted mortgage brokerage firm serving Northeast Florida for over two decades. Our team of licensed professionals specializes in FHA loans, VA loans, and conventional mortgages, offering personalized guidance to help clients achieve homeownership. With deep expertise in credit score optimization and access to multiple lenders, we provide tailored solutions for even the most complex financial situations.Our commitment to transparency, integrity, and client education ensures a stress-free mortgage process. Recognized for our community-focused approach, we maintain strong relationships with local real estate agents and title companies to streamline transactions. Backed by NMLS licensing and BBB adherence, we combine industry experience with a family-oriented philosophy to deliver exceptional service.
Services
FHA Loans
VA Loans
Conventional Mortgages
Credit Score Improvement
Refinancing Services
Details
- Year established: 2003
Highlights and features
- We offer 20+ years of mortgage industry experience since 2003
- Our team includes NMLS-licensed loan officers with specialized expertise
- We provide access to multiple lenders for competitive rate comparisons
- Our credit score improvement strategies help challenging financial situations
- We maintain transparent communication throughout the entire mortgage process
Associations and certifications
- NMLS
What people say
Personal service
Expert guidance
Successful mortgage outcomes
Patient assistance
Professional team
Services
FHA Loans
FHA-insured mortgages require as little as 3.5% down payment with flexible credit requirements. Our experts guide clients through the process of obtaining FHA loans for primary residences, including credit score improvement strategies and gift fund utilization. We help borrowers understand the benefits of low down payments, competitive interest rates, and seller contribution allowances up to 6% of purchase price.
VA Loans
VA-guaranteed loans offer 100% financing up to $510,400 with no mortgage insurance requirements. We specialize in helping military veterans, active-duty personnel, and surviving spouses access these benefits. Our team explains the funding fee structure, credit flexibility, and streamlined refinance options available through the VA loan program.
Conventional Mortgages
Fixed-rate and adjustable-rate mortgages with competitive terms from 10-30 years. We provide bi-weekly payment options and personalized rate comparisons across multiple lenders. Our brokers help clients understand loan-to-value ratios, private mortgage insurance requirements, and documentation needs for conventional financing.
Credit Score Improvement
Personalized strategies to enhance credit profiles for mortgage eligibility. We educate clients on authorized user accounts, debt reduction techniques, and credit utilization management. Our guidance helps borrowers achieve optimal scores for better loan terms without negatively impacting their credit through strategic collection account handling.
Refinancing Services
We offer rate-and-term refinancing and cash-out options for existing homeowners. Our experts analyze current mortgage terms against market conditions to identify savings opportunities. We specialize in VA streamline refinances and FHA-to-VA loan conversions with minimal documentation requirements.
People
Alec Boriss
Owner & Mortgage Broker
With 23 years in mortgage finance since founding Oak Street Financial in 2003, Alec brings extensive industry experience. A former real estate broker and steamship executive, he holds multiple licenses including real estate instruction and US Coast Guard Master certification. Alec focuses on personalized client service and mortgage education.
Herbert Flood
Mortgage Broker
Licensed loan officer specializing in bridging home ownership gaps for diverse clients. With deep understanding of complex financial situations, Herbert emphasizes integrity and regulatory compliance. He maintains active relationships with local real estate professionals to facilitate smooth transactions.
Questions
What mortgage options do you offer?
We offer FHA loans, VA loans, conventional mortgages, and refinancing options tailored to individual financial situations.
How can I improve my credit score for a mortgage?
We provide strategies like authorized user accounts, debt reduction techniques, and credit utilization management to optimize your credit profile.
Are you available outside regular business hours?
While our office hours are 9-5 Mon-Fri, we offer emergency availability for urgent mortgage needs.
What areas do you serve?
We serve all of Northeast Florida including Jacksonville, Ponte Vedra Beach, and surrounding communities.
How does your mortgage brokerage work?
We access multiple lenders to find competitive rates, guide you through documentation, and advocate for loan approval throughout the process.
Can I get pre-qualified before house hunting?
Yes, we offer pre-qualification consultations to help determine your budget and strengthen mortgage applications.
