We are a Relational mortgage company and that means we prioritize YOU. Our mission is to build a relationship with you first and then build your mortgage second.
We do this by caring about your now and your future. We genuinely care about you as a person and our core values create the guardrails to make sure that stays true.
At our core we believe that our customers must trust us. Interesting how the word US is found in the middle of the word trUSt. It's not a mistake and we believe that we are in this together. In the trenches with you and not on the sidelines. You can Trust Us and our values outlined below is what you can expect throughout the loan process, at closing and months or years later when you need advice or help again.
First time home buyer programs, Low down payment, Low mortgage insurance.
Accelerate, Ford Foundation momentum social worker aid relief.
Buyer brings 1% of the purchase price, Higher interest rate.
Great Interest Rates, Fixed for the length of the beginning term.
Lock the interest rate at the beginning of construction for 12-18 months, Rate can come down before closing, 1 set of closing costs.
Renovation costs are built into the loan, as low as 3% down,
Black Oak approved Contractors only.
0 down payment,
tLow interest rates.
0 down payment, Low interest rates, Great program for houses located in Rural areas.
Great loan for lower credit scores, Low down payment, Low interest rates.
House is purcahsed for the buyer, Lease payments go towards the future down payment.
Buyer sometimes doesn't bring any money to closing, Higher Interest Rate.
Loan amount is larger than $484,350, Great Interest Rates.
Great programs for buyers who have a Bankruptcy, Foreclosure or Shortsale in their past, Higher Interest Rate, Investor Cash Flow program as well.
Great way to lower your mortgage insurance if you cannot put 20% down, Cash-out options as well.
Tap into the equity in your home, Simple Interest loan that allows you to control the monthly payment.
"Paul and Black Oak made simple what I constantly worried about, securing a mortgage, and helped make the process easy and simple for a first time home buyer like myself. Paul answered all my questions quickly and fully every step of the way and helped me with every document and hurdle we had professionally and expertly."
"After searching and getting quotes from several lenders, a friend of ours referred us to Black Oak Mortgage. Throughout the process, the entire team was very responsive and went above and beyond to answer all of our questions and make sure everything was taken care of."
"My experience with Paul at Black Oak was excellent. He seemed as motivated to help me get into a good house that I could afford as much as I was. Paul went above and beyond for me and now I have my own place in the world thanks to him and Black Oak."
"Great person and company. Explained everything and kept me calm throughout the entire process."
"We had a fantastic experience using Black Oak Mortgage to manage the purchase of out new home. Paul was able to get us pre-approved for a loan incredibly quickly so we could put in an offer on the home we wanted to purchase. Pre-approval was a quick and painless process that was done over the phone. Paul was always available by email, text, or phone. He patiently answered all of my (many) questions and helped us navigate the complicated home purchase process without any hiccups!"
"My experience with Black Oak Mortgage was exceptional. As a first time homebuyer I was initially daunted, but it quickly became clear that I had chosen the right company with whom to work. I would recommend Black Oak Mortgage to my family and friends without hesitation."
"We have been so bleseed to work with Black Oak Mortgage and The Webster Firm with purchasing our new home. They were transparent every step of the way and helped us to achieve our dreams."
“Refinancing our home couldn't have been easier. Thank you so much Black Oak Mortgage."
"Black Oak Mortgage was excellent to work with! Kevin, Paul and Bekkah were flawless throughout the entire mortgage process"