Rates


(*Rates may vary based on date, state, loan amount, credit, income, down payment and/or equity, income, documentation type, property type, occupancy type, buy down points and other compensating factors.)  

   We offer competetive rates on Conventional, FHA, Stated income products, and low credit loans, as well as many other programs. 

Rates change daily so please contact us for today's rates based on your profile.  Either Contact us , Apply, or use quick quote and we will e-mail you back a quote as quickly as possible. 

Click Here for Quick Quote

              Closing Costs

        Closing costs can be different for a Purchase and a Refinance.   They are determined by the location of the property, the loan amount, interest rate, and amount of equity or down payment involved.   Outside of the "lender costs", all closing costs are determined by 3rd party sources such as Title companies, the State, HOA, the Government, Insurance company, Attorney, Appraiser, Inspector, and anyone else who may be involved in the transaction.   

What We Cover

1)Ways to get help with Closing Costs

2)Oak Mortgage Lender Fees

3)Title Fees

4)Government & State Fees

5)Prepaids & Escrows

6)Misc. Fees

7)The big Picture



Our Closing Costs (Lender Fees)
These are the fees that we charge on every loan regardless of a refinance or a purchase loan.  These are the only fees that we have control over.   (We'd be happy to give you estimate on the 3rd party costs based on your loan amount and location.   Please contact us for a quick estimate.) 
 
(Conventional Loans)
-$395 Application Fee
-$350 Appraisal Fee
-$88 Tax Service Fee
-$25 Courier Fee
-$18 Flood Cert.
-$15 Credit Report
-$350 Commitment Fee
______________
Total = $1,241

Or

(FHA Loans)
-$495 Committment Fee
-$445 Appraisal Fee
-$15 Credit Report
-$18 Flood Cert.
______________
Total= $973

Or

(Specialty Loans)
-To be determined by Consultant