Resources & Tools for Your Mortgage Journey

We’ve compiled a comprehensive suite of tools to assist you in navigating the mortgage process with confidence. Our offerings include intuitive mortgage calculators and a frequently updated FAQ section.

Whether you’re a first-time homebuyer or a seasoned investor, our resources are designed to provide you with the knowledge and insights needed for a smooth and successful mortgage experience. Explore our tools and empower your home financing journey today.

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Frequently Asked Questions


Here at Oak Leaf Community Mortgage, we understand that every homebuyer’s journey is unique. That’s why we offer a diverse array of mortgage products, each tailored to meet the varied needs of our clients. Our standout offering, the “Buy Now Sell Later” Loan, epitomizes our commitment to innovative solutions.

We offer first and second lien mortgages, Portfolio ARM products, Jumbo loans, new construction loans, investor rehab loans, ITIN loans, and more.

This loan allows buyers to purchase a new home without being contingent on the sale of their current property, offering flexibility and a competitive edge in the housing market.

Homeowners looking to buy a new home but concerned about selling their existing property in time, especially in competitive markets.

Yes, we offer ITIN loans for individuals without a Social Security Number.

Yes, our Investor Rehab Loans cater to both individual and business borrowers for property upgrades and investments.


It involves assessing your financial situation including a credit check, and a review of your income, debts, and assets.

Preapprovals are typically generated within 24 to 48 hours of application. However, the mortgage approval process generally can range from a few weeks to a couple of months, depending on the loan type and individual circumstances.

Typically, proof of income, employment verification, credit information, and documentation of assets and debts.


Yes, we offer various programs and incentives for first-time buyers, including lower down payment options, down payment assistance programs, and favorable rates.

Yes, through non-traditional documentation, we can verify income and business stability.

Yes, we offer refinancing options for various needs.

Use our online mortgage calculators for an estimate.

Contact us for solutions like loan modification, forbearance, or refinancing.


Consider your long-term financial plans, potential rate changes, and your ability to handle future payment adjustments.

Fixed-rate mortgages have a constant interest rate and monthly payments. ARMs have a rate that may change at predetermined intervals.

Our primary focus is on residential mortgages. We can refer you to specialists for commercial property loans.

We adhere to strict privacy policies and employ advanced security measures.

Sign up for our newsletter, follow us on social media, or visit our website regularly.


We are actively engaged in local events and support community initiatives.

It expands our capacity to offer diverse and innovative mortgage solutions, backed by extensive expertise and resources.