At Oak Leaf Community Mortgage, we offer an extensive array of mortgage programs to cater to a variety of homebuyers and property investors. Whether you’re seeking traditional mortgage options or looking for more specialized portfolio loan programs, our comprehensive offerings are designed to suit diverse financial situations, preferences, and goals.

We specialize in two main categories of mortgage programs:

Competitive Interest Rates: Tailored to provide the best possible rates based on market conditions and borrower’s creditworthiness.

Various Term Lengths: Ranging from short-term options like 10 or 15 years to traditional 30-year terms, allowing borrowers to choose what best fits their financial plan.

Flexible Down Payment Options: Including low down payment choices for certain loan types like FHA loans, making homeownership accessible to a wider range of buyers.

Diverse Loan Products: Catering to different needs – from first-time homebuyers to those looking to invest in high-value properties.

Private Mortgage Insurance (PMI) Options: For loans with down payments less than 20%, with clear guidelines on PMI costs and cancellation policies.

Government-Insured Options: FHA and VA loans offer unique benefits such as lower down payments and no down payment options for qualified borrowers.

Refinancing Opportunities: Providing options to refinance for better interest rates or to tap into home equity.

Assistance Programs: Down Payment Assistance and other programs to help make homeownership more attainable for those who qualify.

Customized Lending Solutions: Tailored loan options to meet the unique circumstances and financial needs of each borrower.

Creative Financing Options: Innovative approaches to underwriting, offering solutions such as bank statement loans for self-employed individuals, and asset-based lending.

In-House Decision-Making: Quick and flexible decision-making process, as loans are held and managed within our own portfolio.

Higher Flexibility in Qualifications: Accommodating borrowers with diverse financial backgrounds, including those with non-traditional income or credit challenges.

Specialized Products for Unique Properties: Lending options for properties that may not qualify under traditional loan programs, such as mixed-use properties, investment properties, and non-warrantable condos.

Alternative Documentation Acceptance: Utilizing different forms of documentation to verify income and assets, beneficial for entrepreneurs or freelance professionals.

Loan-to-Value (LTV) Flexibility: Offering potentially higher LTV ratios compared to traditional loans, which can be advantageous in various purchasing scenarios.

Personalized Client Service: Each loan receives individual attention from our expert team, ensuring that clients’ specific needs are understood and met.