A better way to borrow

More options. More strategy. More ways forward.

At Oak & Key Lending, we start with your goals, not a one-size-fits-all loan menu. From mortgages to DSCR, bank statement, commercial, other specialty programs, we help understand the possibilities and choose a financing path that fits.

Home Ownership & Equity

Thoughtful financing for purchasing, refinancing or making strategic use of the equity in your home.

  • Purchase and refinance options. FHA, VA, USDA, first-time homeowner, physician loans, vacation homes

  • HELOC, cash-out, all-in-one and reverse mortgage solutions

Investment & Portfolio

Flexible financing designed for acquiring, improving, and expanding real estate investments.

  • DSCR, rental and multi-family financing

  • Fix-and-flip, bridge, and portfolio solutions

Self Employed & Specialty

Alternative lending options for clients whose income or circumstances extend beyond traditional documentation.

  • Bank statement, 1099, and P&L programs

  • Non-QM, ITIN, and foreign national options

Construction & Commercial

Strategic financing for new builds, renovations, business properties, and distinctive opportunities.

  • Construction, renovation, and land financing

  • Commercial, mixed-use, SBA and business purpose loans

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