Find the Perfect Match for Your Home Financing

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.

Tailoring Our Services to Your Unique Financial Journey

We specialize in two main categories of mortgage programs:

Portfolio Loan Programs:

Unique mortgage solutions held within our own portfolio, offering greater flexibility in lending criteria.

Traditional Mortgage Programs:

These are standard mortgage options often preferred by borrowers with established credit histories and stable incomes.

Traditional 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.

Portfolio Mortgage Programs:

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.

Let’s Connect!

We’re here to answer your questions and get you started on your mortgage journey.

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Committed to Providing the Right Solution for You

Wide range of

From first-time homebuyers to seasoned investors, our variety of programs ensures there’s a fit for everyone.


Our team works closely with you to understand your needs and guide you to the best mortgage program.

Expertise &

With our knowledge and dedication, we ensure a smooth and transparent mortgage process.

Exploring Your Options Navigating Your Path To The Right Mortgage

Exploring your Options: Navigating Your Path to the Right Mortgage

Understanding the array of mortgage programs available is the first step in your home financing journey:

Empowering Your Homeownership Dreams with Tailored Financing

With our diverse range of mortgage programs at Oak Leaf Community Mortgage, your dream of homeownership is within reach. Explore our traditional and portfolio loan options and discover the perfect mortgage solution tailored to your unique needs and aspirations.

Frequently Asked Questions

To determine the right mortgage program for you, consider your financial health (like credit score and savings), the type of property you’re buying, your down payment ability, and your long-term housing plans. It’s also advisable to consult with a mortgage specialist who can offer tailored advice based on your unique situation.

Yes, you may switch mortgage programs if your financial situation changes, subject to eligibility and lender approval. It’s important to communicate any changes in your finances to your lender as soon as possible to explore available options and find a program that better suits your new circumstances.

Traditional loan programs typically adhere to standards set by government-sponsored entities like Fannie Mae and Freddie Mac, offering conventional loan terms and requiring standard qualifications like credit score and income history. Portfolio loan programs, on the other hand, are held and managed by the lending institution itself, allowing for more flexible and creative lending criteria tailored to unique borrower situations, such as non-traditional income sources or unusual property types.