Oxford Capital Mortgage

Oxford Capital Mortgage Oxford Capital is a Rochester-based mortgage brokerage that offers our customers focused personalized service and access to a full array of services.

Residential owner and non owner financing. Commercial financing. Alternative and asset based financing. Our primary goal is to provide exceptional customer service for your current loan application, and become your trusted life-long resource for real estate financing. Your Mortgage Consultant (also referred to as a licensed mortgage loan originator) with Oxford Capital will guide you through every aspect of the mortgage financing process.

07/25/2024

USDA Program:



100% LTV Financing
GUS AUS and Manual Underwrites
6% Seller Concessions Allowed
Down to 620 Score
Single and Double Wide Manufactures Homes

07/03/2024

Investment Property 2nd mortgages-HELOANS

Contact us today for details

07/02/2024

VA Lending- No Fico Score Loan

VOR/Rent Free for 24 months

Max DTI of 41%
3 Alternative Tradelines
120% of residual

It's thank easy.
Call the team at OCM today to see how we can make the dream of homeownership a reality....

04/22/2024

DSCR Programs:

Scores down to 620
Short Term and Long-Term Rentals
Interest Only
40 Year Fixed Terms
DSCR down to ZERO
First Time Investors
Foreign Nationals
Close in LLC/Business or Individual Name
Loan amounts from $100K-$3.5 Million
Condotels
Transfer Appraisals Accepted

04/08/2024

DSCR Solutions to fit everyones needs...

Loan amounts from $100,000 to $3.5 million

DSCR >=1.0; LTV to 80%

DSCR < 1.0; LTV to 75%

FICOs to 640

Available for purchases, rate-term or cash-out refinance - condotels are eligible

Prepayment penalty options to help manage cashflow* (where allowed)

Can close in an LLC

Estimated short-term rental income allowed via AirDNA

03/25/2024

Payment Assistance Loans are SOARING with the REMOVAL of AMI LIMITS!
Borrowers with all income types can take advantage of the DPA Program!

DPA Program:
100% FHA CLTV Financing
Forgivable and Repayable Options
Down to 580 Credit Score
1-4 Unit Properties
Manufactured Housing

03/14/2024

DSCR Programs:

Scores down to 620
Close in LLC or Individual Name
DSCR down to ZERO
Foreign Nationals
Loans Sizes from $100K-$3 Million
40 Year Fixed and I/O (Use I/O Payment for DSCR)
Contact us today for details....

03/14/2024

VA Program:

Scores down to 580, Including Manual Underwrites

No Fico Score

Manufactured Homes

Loan sizes from $50K-$2.5 Million: 100% LTV!

Unlimited Seller Help

Non-Spouse Co Borrowers

100% LTV 1-4 Family

Fast Turn Times

Contact us for details today....

02/28/2024

It’s turning into Rehab Season and we have options Embrace the season with options :

Up to 90% LTC/ 70% LTV

Up to 85% LTC/ 75% LTV

Self-funded option available

Partial Budget Holdback option available

No experience required

Multifamily allowed

In-House Construction Management & Draw

No Prepayment Penalties

No interest reserves

02/20/2024

DSCR down to ZERO
Loan amounts from $100K-$3.5 Million
Scores down to 620Foreign Nationals
Close in LLC
Short Term Rentals
Condotels
2 years out of BK Foreclosures
Cash out as reserves

01/18/2024

Rehab Loans Lending Made Easy

Up to 90% LTC

100% Rehab Funding

Up to 75% LTV

Loan Amts Up to $3M

Credit Scores as low as 660

Up to 90% LTC

01/04/2024

VA Program Highlights:



Down to a cool 580 Score, Manuals included!

No Fico Scores

Yes to Manufactured Homes

In or fresh out of Chapter 13 BK? No problem!

100% LTV up to 2.5 million

Non-Spouse Co Borrowers get a nod

Call today for details...

Address

16 W Main Street Ste 231
Rochester, NY
14614

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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