Mortgage Process​

Steps in Mortgage Process
Pre-approval – Determining your budget.
House Hunting – Finding the perfect home.
Loan Application – Submitting your financial details.
Processing & Underwriting – Reviewing your loan for approval.
Closing – Finalizing the loan and getting the keys to your new home.

PMI is insurance required for loans with a down payment of less than 20%. It protects lenders if you default on the loan. Our team can help you explore ways to minimize or eliminate PMI.​​

Mortgage rates are influenced by your credit score, loan type, loan term, down payment, and current market conditions​​​

Down Payment

Down payments typically range from 3% to 20% of the home’s purchase price. Some loan programs, like FHA or VA loans, may require less.​​

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▬ Testimonials ▬

What our customers say

Oak Leaf Finance made the mortgage process smooth and effortless. Their team’s expertise and personalized approach helped me secure the perfect loan for my new home.

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Satisfied Customers
I highly recommend Oak Leaf Finance for their exceptional service and attention to detail. They went above and beyond to find me the best refinancing option, saving me money and hassle.
Mark B. Opp
Customer
Thanks to Oak Leaf Finance, I was able to purchase my dream home with ease. Their professionalism and commitment to customer satisfaction truly set them apart in the mortgage industry.
Patrick E. Owens
Customer