A Better VA Mortgage Experience Starts Here

Get Pre-Approved With No Impact to Your Credit

Built Differently for Veterans

Live Oak Mortgage is not a national VA lender or big bank that relies on words like “Veteran,” “Navy,” or “NewDay” in its name.

We are an independent mortgage company built to operate efficiently and keep overhead costs low. This allows us to pass those efficiencies along to our Veteran borrowers through:

• Competitive VA mortgage rates
• Lower closing costs
• Personal, responsive service
• Straightforward mortgage guidance

You served our country. We are committed to serving you.

---

Already Have a Loan Estimate?

If you already have a Loan Estimate from another lender, let us provide a complimentary second look before you make a decision.

We’ll help you compare:

• Interest rate and APR
• Lender fees and discount points
• Closing costs
• Estimated monthly payment
• Cash needed at closing

We’ll explain the offer in plain language and determine whether Live Oak Mortgage may be able to provide more favorable terms.

Before you commit, compare your options.

REQUEST A FREE LOAN ESTIMATE REVIEW

---

More Than a Mortgage

5-Star Mortgage Experience

Receive personal attention, responsive communication, and experienced guidance from pre-approval through closing.

Lock and Watch

After your interest rate is locked, we continue monitoring the market for rate improvements up to 10 days prior to closing, subject to program terms and eligibility.

Rate Watch for Life

Our relationship doesn’t end at closing. We’ll continue monitor mortgage rates for you starting just 210 days after your closing. Should rates improve by .5% or more compared to your original rate you will have the opportunity to take advantage of an Interest Rate Reduction with us with No Lender Fees, No Appraisal and No Future Income Verification. Final approval is subject to credit approval and eligibility.

---

We’re Ready to Fight for You

You chose to serve and protect our country. Live Oak Mortgage has made the commitment to serve you when it comes to your VA Mortgage. 

We’ll help you understand your choices, evaluate your costs, and pursue competitive VA mortgage terms—backed by our 5-Star Mortgage Experience, Lock and Watch Program, and Rate Watch for Life Program.

Start Today Without Affecting Your Credit

       Get a clearer picture of your VA home financing options with a no-credit-impact pre-approval.

GET PRE-APPROVED TODAY

Pre-approval is subject to verification of income, assets, credit, property information, VA eligibility, and applicable underwriting requirements. The initial no-credit-impact review may use a soft credit inquiry. A hard credit inquiry may be required before final loan approval. Interest rates, fees, programs, and eligibility requirements are subject to change. This is not a commitment to lend. Rate-monitoring and lock-related benefits are subject to their respective program terms.