Business Details
Your Trusted Mortgage Partner in Charlotte, NC
At Oak Capital Mortgage, we believe homeownership should be an empowering journey, not just a transaction. Founded on the principle of delivering exceptional service, we combine personalized mortgage solutions with some of the lowest rates and fees in the industry. Our team is dedicated to guiding clients through every step of the home buying or refinancing process, prioritizing transparency, expertise, and client satisfaction. With a focus on concierge-level support, we help clients achieve their unique financial goals while upholding the values of integrity and community that define our company.Our NMLS-licensed professionals bring decades of combined experience to every consultation, ensuring clients receive tailored advice and access to diverse loan programs. By leveraging our relationships with multiple lenders, we streamline the application process to find the best possible terms for each borrower. Whether you're a first-time homebuyer or an experienced investor, our mission remains the same: to make the dream of homeownership accessible and achievable for all.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Renovation Loans
Jumbo Loans
Bank Statement Mortgages
First Time Home Buyer Programs
Investment Property Loans
Refinance Options
Highlights and features
- We offer concierge-level mortgage service with personalized guidance
- Our team secures some of the lowest rates and fees in the industry
- We provide tailored loan scenarios for unique financial situations
- NMLS-licensed professionals with decades of combined mortgage experience
- We shop multiple lenders to find your best financing options
Associations and certifications
- NMLS
Services
Conventional Loans
Conventional loans offer fixed-rate and adjustable-rate options for home purchases or refinancing. These mortgages typically require higher credit scores but provide flexible terms. Ideal for borrowers with strong financial profiles seeking competitive rates without government insurance requirements.
FHA Loans
FHA loans provide government-insured financing with lower down payment requirements. Designed for borrowers with moderate credit scores, these mortgages allow 3.5% down payments while maintaining affordable rates and flexible qualification criteria for first-time homebuyers.
VA Loans
VA loans offer zero-down financing for eligible veterans and active military members. These mortgages feature competitive rates, no private mortgage insurance requirements, and flexible underwriting standards to support military families achieving homeownership.
Bank Statement Mortgages
Bank statement mortgages use deposit history instead of traditional income verification. Perfect for self-employed borrowers or those with non-traditional income streams, these loans assess financial stability through consistent cash flow patterns rather than standard pay stubs.
Refinance Options
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer rate-and-term refinancing and cash-out options with streamlined processes to maximize savings for qualified applicants.
People
Matthew Hassey
President/Owner
Licensed Mortgage Broker with NMLS #118199, Matthew leads Oak Capital Mortgage with over 15 years of industry experience. He specializes in customized mortgage solutions and maintains active involvement in every client transaction.
Jordyn Minton
Director of Operations
As NMLS #223319 licensed broker, Jordyn oversees daily operations while maintaining client relationships. With 8 years in mortgage services, she ensures efficient processing and compliance across all loan programs.
Hayden Wilson
Licensed Mortgage Broker
NMLS #196375 licensed professional with expertise in first-time homebuyer programs. Hayden specializes in guiding clients through complex loan scenarios while maintaining a focus on financial education.
Kyler Carr
Licensed Mortgage Broker
NMLS #1982623 licensed broker with specialization in investment property financing. Kyler helps clients build wealth through strategic mortgage solutions for vacation homes and rental properties.
Questions
What documents are needed for mortgage pre-approval?
We require recent pay stubs, tax returns, bank statements, and government ID. Self-employed applicants may need additional financial documentation to verify income stability.
Can I get a mortgage with a low credit score?
Yes, we offer FHA loans for scores as low as 580 and alternative programs for non-traditional credit histories. Our team helps improve approval chances through tailored loan options.
How much down payment is required?
Down payment requirements vary: 3.5% for FHA, 0% for VA/USDA, and 5-20% for conventional loans. We also offer specialized programs with reduced down payment requirements for qualified buyers.
What's the difference between pre-qualification and pre-approval?
Pre-qualification provides estimated borrowing capacity, while pre-approval involves full financial verification. Real estate agents typically require pre-approval letters before showing properties.
How long does the mortgage process take?
From application to closing typically takes 30-45 days. Our streamlined process and multiple lender partnerships help expedite approvals while maintaining thorough due diligence.
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