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If you're Buying or Refinancing, we invite you to experience a relational mortgage.

Talk to Us

We put our efforts into building a relationship with you first and putting the mortgage second.

Building a relationship that you can T.R.U.S.T.

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Talk To Us

Kevin Turner

General Manager
NMLS#: 1506200
Georgia Residential
Mortgage Licensee# 51717

Paul Saing

Sales Manager
NMLS#: 201339
Georgia Residential
Mortgage Licensee# 26668
Our mission

Our Mission

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.



Core Values

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.

  • Transparent
  • Relational
  • Under promise
  • Simple
  • Timely
our loans

Loan Solutions available, and customized to Your needs

01
Affordable

First time home buyer programs, Low down payment, Low mortgage insurance.

02
Conventional

Accelerate, Ford Foundation momentum social worker aid relief.

03
Down Payment Assistance

Buyer brings 1% of the purchase price, Higher interest rate.

04
Arm

Great Interest Rates, Fixed for the length of the beginning term.

05
Construction

Lock the interest rate at the beginning of construction for 12-18 months, Rate can come down before closing, 1 set of closing costs.

06
renovation

Renovation costs are built into the loan, as low as 3% down,
Black Oak approved Contractors only.

01
VETERAN AFFAIRS

0 down payment,
tLow interest rates.

02
USDA

0 down payment, Low interest rates, Great program for houses located in Rural areas.

03
FHA

Great loan for lower credit scores, Low down payment, Low interest rates.

04
LEASE-2-PURCHASE

House is purcahsed for the buyer, Lease payments go towards the future down payment.

05
DOWN PAYMENT ASSISTANCE

Buyer sometimes doesn't bring any money to closing, Higher Interest Rate.

01
Jumbo


Loan amount is larger than $484,350, Great Interest Rates.

02
Affordable

Great programs for buyers who have a Bankruptcy, Foreclosure or Shortsale in their past, Higher Interest Rate, Investor Cash Flow program as well.

01
Fixed-Rate

Great way to lower your mortgage insurance if you cannot put 20% down, Cash-out options as well.

02
Home Equity Line of Credit

Tap into the equity in your home, Simple Interest loan that allows you to control the monthly payment.

15+ Years of Experience
Custom Loans
24/7 Availability
Awesome Features

Customers Testimonials

100% satisfaction...

"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."

David Elliott

We couldn't have been happier!

"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."



Dallas Mckinley

Above and beyond

"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."



Matt McCoy

Great people and company...

"Great person and company. Explained everything and kept me calm throughout the entire process."

Allison Heeley

We had a fantastic experience

"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!"


Larkin Maples

Exceptional experience

"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."



Jake Dogias

Helen Francis

"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."

// Home Owner
Thomas Steele

“Refinancing our home couldn't have been easier. Thank you so much Black Oak Mortgage."

// Refinancer
Maude Young

"Black Oak Mortgage was excellent to work with! Kevin, Paul and Bekkah were flawless throughout the entire mortgage process"

// New Home Owner
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1649 Norman Street, Los Angeles, 90011
Phone Number: 8(800)316-06-42