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    White Oak Financial

    5.0 (2 reviews)
    Open Open 24 hours

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    Mortgage services

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    Moreira Team | MortgageRight - Loans Image

    Moreira Team | MortgageRight

    (26 reviews)

    Midtown

    Roll out the red carpet because the Moreira Team has made my cross-country move from Washington…read moreState to Georgia feel like a breeze! So there I was, almost settling for a 'meh' mortgage deal--$400K, 20% down, and a steep 7.45% interest rate. I decided to have a second opinion and Found Moreira Team with so many great reviews, so I decided to contact them. Enter Lucky, my mortgage matchmaker. Within half an hour (no joke!), he rang me back with a deal that had my jaw dropping: $470K approved, just 3.5% down, and a 6.75% interest rate! But wait, there's more: The team had a cherry on top: They referred me to a superb Realtor named Catherine, who gave me a grand tour of Georgia homes. From there, Taylor and Amanda whisked through the paperwork, ensuring everything was ready in two weeks. For a first-time homebuyer, they turned what could've been a daunting drama into a smooth, feel-good experience. I'm so happy I found them! So if you're in the market for a great mortgage team, look no further. This team is the best!

    I found Moreira Team through all the reviews here, and they were right. From the time I first…read morereached out to them more than a year ago to when I finally found a house this year, they were communicative, responsive, and honest. They worked so fast to help me meet the seller's request for a more accelerated closing period, and throughout the process I always knew what was happening and what I needed to do next. Highly recommend them.

    Lima One Capital

    Lima One Capital

    (18 reviews)

    I applied for a DSCR refinance on a rental property in Perry, GA through Lima One Capital. From the…read morestart, I was told their minimum loan amount was $125k, and my target was $140k with a Zillow estimate of $154k -- well within range. After a month of submitting documents, providing insurance documentation, and going through the full application process, their appraiser came in at $120k -- $5k below their own minimum. Rather than communicate this promptly, it took them an additional week to inform me they would not be moving forward. I submitted a formal Reconsideration of Value with five comparable sales supporting a higher value, including properties of the same type selling between $135k-$214k in the same market. The ROV was denied without meaningful explanation. The appraiser used a C4 property that they gross adjusted 48% as a comp. The experience resulted in a hard credit inquiry, appraisal fees, insurance policy modifications, and a month of lost time -- all for a deal that should have been flagged much earlier in the process. If you are investing in affordable markets where loan amounts may be near their minimum threshold, I would recommend thoroughly vetting Lima One's appetite for your deal size before engaging.

    Proceed with caution. Five weeks of lead time was not enough for this lender to get their act…read moretogether. Six days before settlement, a flood of new requests came in -- including rejecting a funding source they had previously accepted without issue. The deal collapsed, causing serious financial damage on my end. No accountability, no apology, nothing. If you're working with tight timelines or high-stakes transactions, look elsewhere.

    White Oak Financial - mortgagebrokers - Updated May 2026

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