435 Wandering Ct Sonoma, CA 93632
1-800-123-4567

Loan Programs

We have the loan options to meet your need

Whether you need a loan with a low down payment requirement, credit flexibility, alternative ways to evaluate your income, or just a really low rate, we likely have the product to meet your needs.  We hope you’ll reach out and let us find the right product for you.

Traditional Loans

Traditional Loans meet the needs of many borrowers and offer the lowest possible rates. For this reason, we generally see if our customers qualify for these loans first. If so, great! If not, no problem — we have many other products to choose from!

Veteran (VA) Loans

Specifically geared towards our veterans, VA loans require no money down and no monthly mortgage insurance. There is a fee, but it can be included in the loan amount. If you are current or former military, or a related spouse, this loan program is an outstanding way to keep the down payment low, or even to refinance and get cash out of your home.

Alternative Loans

Alternative loans are loans for borrowers whose tax reported income does not reflect their true income generation, or for borrowers who have other challenges with credit, employment, or income. These loans are generally for financially established borrowers who can afford to put at least 10% down. The rates are a bit higher than traditional, FHA, or VA loans.

Construction Loans

With our construction-to-permanent financing your dream home can become a reality! Our simple, all-in-one closing transitions your construction loan directly into a mortgage loan when building is complete. No hassles, no additional financing. Everything in one place! We’ll walk you through each step, and even help you select a contractor, a foundation survey, and guide you through the things that make your custom home a reality.

FHA Loans

FHA loan programs offer 3.5% down payments and have very flexible credit guidelines. They also give the option of taking cash out. These loans are slightly more expensive than traditional home loans, but are less expensive than alternative home loans. We can let you know if this is the right choice for you.

Short Term Bridge Loans

In a pinch, and need funds for a short term? Maybe you need down payment for a new home while you’re waiting for your current home to sell. Or you may be upgrading the home your selling or fixing a resell investment. Whatever the need is, as long as you can pay the loan back in about 12 months, bridge loans are a great way to make ends meet.

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Results displayed are estimates and do not represent your final loan and terms with Oakstreet Homeloans.

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Oakstreet Mortgage LLC | NMLS ID: 1618618 (www.nmlsconsumeraccess.org) | © 2024 | Contact Us Today | Privacy Policy | Terms Of Use

Any rates advertised herein by Oakstreet Mortgage LLC dba Oakstreet Finance LLC NMLS ID#: 1618618 www.nmlsconsumeraccess.org are only available to qualified borrowers.  Additionally, the stated rate and APR may change or not be available at the time of loan commitment or lock-in. Oakstreet Mortgage LLC dba Oakstreet Finance LLC is not affiliated with, or an agent or division of, a governmental agency or depository institution.  Refinancing of exiting liens, even at lower rates may result in higher total finance charges over the life of the loan.  Any pre-approvals referenced herein are not approvals and are only available after prospect application has been submitted to lender and approved by its automated underwriting system or manual underwrite. Terms and conditions of pre-approvals will be promulgated on all pre-approvals provided. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
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