Applications Closing February 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

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oaktree funding reviews

Unveiling the Facts: Candid Oaktree Funding Reviews for Informed Decisions!

Overview of Oaktree Funding

Oaktree Funding is a top-notch mortgage lender that offers custom-made and inventive money related solutions. They guarantee customer fulfillment, with quick and smooth loaning processes through advanced technology. They are transparent, giving full disclosure of all fees and duties during the loan process.

Their loan products include conventional, FHA, VA, and jumbo loans. They also have refinancing options to suit all financial requirements. Their team of experts sees to it that client needs are personally attended to and terms are flexible. With competitive rates, they stand out from other lenders in the market.

Oaktree Funding provides world-class customer service and has an online portal for secure document submission throughout the loan process. They also dedicate themselves to educating clients and keeping them informed at every step. This is why they maintain long-lasting relationships with clients who appreciate their services.

Oaktree Funding has been in the business since 1989, making it one of California’s oldest mortgage companies. Throughout the years, they’ve built an excellent reputation for delivering top-notch services. Their loan programs are like a dating app, they promise to match you with the perfect fit but end up ghosting you before the first date.

Oaktree Funding’s Loan Programs

Oaktree Funding offers a range of loan programs that cater to the varying financial needs of its clients. These programs are designed to be flexible, with customizable terms and competitive rates.

The following table presents an overview of Oaktree Funding’s loan programs:

Program Description
Purchase Loans Designed for individuals looking to purchase a new home.
Refinance Loans Designed for individuals looking to refinance an existing home loan.
Reverse Mortgages Designed for homeowners aged 62 years and above, allowing them to access the equity in their home.
FHA Loans Insured by the Federal Housing Administration, these loans require a lower down payment and are ideal for first-time homebuyers.
VA Loans Guaranteed by the Veterans Administration, these loans are designed for eligible veterans and their families.

Oaktree Funding’s loan programs also offer unique features such as interest-only loans and jumbo loans for higher loan amounts. According to a recent survey by J.D. Power, Oaktree Funding ranks among the top mortgage originators in customer satisfaction.

Fixed-Rate Mortgages

Fixed-Interest Home Loans give you steady, consistent mortgage payments for the entire loan period. A table will help you understand these Fixed-Rate Mortgages better. Just take a look at the loan terms and their interest rates:

Loan Term Interest Rate
10 Years 2.75%
15 Years 3.00%
20 Years 3.25%
25 Years 3.50%
30 Years 3.75%

Oaktree Funding’s Fixed-Rate Mortgages offer a longer payback period than Adjustable-Rate Mortgages. However, you need to have good credit scores and some upfront cash for closing costs to qualify.

Keep the following in mind when considering your options:

  • Make sure you have a reliable income source to pay your monthly installments.
  • Don’t take out loans more than you can afford.
  • Only use reputable lenders like Oaktree Funding.
  • Get expert advice to manage risks and avoid future issues.

Why settle for a stable interest rate when you can enjoy the excitement of financial uncertainty with an adjustable-rate mortgage from Oaktree Funding?

Adjustable-Rate Mortgages

Oaktree Funding’s adjustable-rate loans offer a flexible home financing option to meet your unique financial needs. Introducing our ‘Variable-Rate Mortgages‘ program!

3/1 ARM: 30 years with fixed rates for 3 years, then adjusting annually thereafter. {actual interest rate}

5/1 ARM: 30 years with fixed rates for 5 years, then adjusting annually thereafter. {actual interest rate}

7/1 ARM: 30 years with fixed rates for 7 years, then adjusting annually thereafter. {actual interest rate}

Our Variable-Rate Mortgages have lower initial rates than their conventional, fixed-rate counterparts. Plus, you can choose from different payment and loan duration options. You can even reduce your principal balance with regular payments or lump sum contributions.

Pro Tip: To make the most of an Adjustable-Rate Mortgage, understand the contract’s terms and potential adjustments. Get in touch with a lending expert at Oaktree Funding for help.

So, big house and it’s just one mortgage? Count me in for that jumbo loan!

Jumbo Loans

Oaktree Funding provides high-balance loans known as Jumbo Loans. These loans have stricter credit requirements than other loan options and usually exceed the conforming limits set by Fannie Mae and Freddie Mac.

We’ve made a table to help our clients understand Jumbo Loans better. It includes info on the minimum credit score, maximum loan amount, eligible properties, and more.

Criteria Jumbo Loans
Minimum Credit Score 700
Maximum Loan Amount $3 million
Eligible Properties Primary Residence, Second Home, Investment Property

Jumbo Loans come with tougher eligibility criteria, but have many benefits like flexible terms and personalized underwriting. At Oaktree Funding, we work one-on-one with each borrower to create a loan plan that fits their needs.

Pro Tip: It’s important to find an experienced lender when considering a Jumbo Loan. They’ll be able to help you find the best financing options for your unique financial situation – and you can finally afford that extra avocado toast every month!

FHA Loans

Oaktree Funding provides government-backed mortgage loans, known as FHA (Federal Housing Administration) loans. These loans have lower down payments, and have more relaxed credit score requirements than other conventional loans.

FHA loans are designed to help people of all incomes own a home. The Federal Housing Authority insures these loans, so lenders can accept borrowers with lower credit scores. On top of this, the loan has low-interest rates and flexible terms. FHA loans can be used for single-family homes, multi-unit properties, and condos.

Oaktree Funding offers tailored FHA loan programs for their clients. Whether you’re a first-time buyer, need assistance with closing costs, or want to refinance an existing mortgage, they have you covered!

One family found it difficult to secure a loan due to their credit score. But, thanks to Oaktree’s FHA loan program, they were able to purchase their dream home with a low down payment. Get a VA loan and protect your country, your home, and your wallet all at once with Oaktree Funding.

VA Loans

VA financing – A flexible option to help veterans attain their dream home! Zero down payment is needed, competitive interest rates, no mortgage insurance premiums, and only a minimum credit score of 620 is typically required. Plus, limited closing costs and fees.

VA loans allow veterans to save on upfront costs while they experience the rewards of becoming a homeowner! It’s a great way to honor their service and sacrifice.

Oaktree Funding VA loans also give veterans the chance to refinance with ease. Cash-out refinance programs are tailored exclusively for them. So, apply now and secure your dream home today – no down payment necessary!

USDA Loans

Oaktree Funding offers a loan program to help people buy rural properties. The USDA home loans provide 100% financing with no down payment, low-interest rates, and flexible credit requirements. Plus, they don’t require private mortgage insurance (PMI) fees. Plus, borrowers’ household income can be up to 115% of the median area income.

A recent study from the USDA-ERS shows that rural homeownership rates increased from 2000 to 2016. This is in part due to the USDA Home Loan Program, which makes it easier to become a homeowner with its straightforward guidelines and affordable terms.

Why worry about mortgage applications when Oaktree Funding has a smooth process to get the loan you need?

Oaktree Funding’s Mortgage Process

Oaktree Funding’s Exceptional Mortgage Assistance

Oaktree Funding offers an exceptional mortgage process that can help you achieve your home buying goals with ease. Their team of experienced professionals will guide you through every step of the process, from pre-qualification to closing. They will ensure that your application is well-prepared and that you understand the terms and rates for the mortgage.

Oaktree Funding’s online portal allows you to track the progress of your application and receive updates. Additionally, the company offers various mortgage programs tailored to your specific needs, such as conventional, VA, or FHA loans.

Their team of experienced loan officers will work closely with you to identify the best mortgage program that meets your needs and assists you with securing the most suitable loan possible. Oaktree Funding also has very high approval rates and a quick closing process.

Their customer service is top notch, and they are always available to address any questions and concerns you might have during the mortgage process. Therefore, if you are planning to purchase a home, consider Oaktree Funding’s mortgage assistance for a smooth and successful experience.

Getting pre-approved with Oaktree Funding is like getting a pat on the back from your credit score. It feels good, but don’t get too excited, there’s still a long road ahead.


Oaktree Funding’s mortgage process starts with obtaining preliminary qualification. Submit your finances and job details to see if you’re eligible.

Pre-approval is next. A deep dive into your financial records to check if you can afford the loan amount. You’ll have a better idea of how much you can borrow and make a better offer to the seller.

Gather docs like income proof, bank statements, and tax returns. Don’t buy stuff or open new credit accounts until pre-approval is finished. That could harm your credit score.

Getting an experienced mortgage expert helps. They can guide you, explain the best options for your finances, and suggest products to fit your needs.

Getting a mortgage is like dating – your financial history and credit score are like your profile pic. Will the lender swipe-right and approve you?

Loan Application

Potential borrowers must submit an application to Oaktree Funding to start the mortgage process. This involves gathering personal and financial info such as employment history, creditworthiness, and debt-to-income ratio.

The application must be complete and all documents attached. This helps Oaktree Funding to decide loan eligibility and which loan product is best. Missing or incorrect info can delay the process.

Be prepared! Have all documents ready ahead of time to make the application submission process simpler. Maintaining communication with Oaktree Funding reps can help resolve any questions quickly.

Loan Processing

At Oaktree Funding, we streamline the mortgage loan process. We adhere to industry standards, ensuring quick and accurate loan approval.

First, our experienced underwriters analyze your financial profile and credit history. Once prequalified, you’ll gather all necessary documents such as tax returns, bank statements, and employment records. Our team then reviews it thoroughly.

Next, the loan application goes to our processing department. Here, a team of experienced professionals verify every detail.

We communicate with our clients throughout the process. We keep you informed on progress and any issues that arise. Recently, a client was initially declined due to errors. But our team provided direction, and they received an approved loan in no time! Underwriting is like taking a test – you can’t cheat!


Oaktree Funding’s underwriting process assesses borrowers’ financial condition. They evaluate credit score, income, employment history, assets, and debts. It follows regulations set by the government and investors. Underwriters use technology to make fast and accurate decisions. They strive to offer an efficient and transparent experience. Each application is reviewed individually with industry standards in mind.

Borrowers should gather financial documents prior to the process. They can ask questions to ensure they understand what’s required. Oaktree Funding’s experienced underwriters will help find a mortgage program based on needs. They’ll provide personal attention each step of the way. To complete a mortgage with Oaktree Funding, just remember: it’s not over ’til the paperwork sings.


As the Closing process nears, Oaktree Funding is ready! Our team will guide you through with clarity and professionalism.

We provide clear instructions on your paperwork, including homeowner insurance policies and title searches. After that, we prepare the final closing statement for both parties to review before signing.

Timeliness is important in closing coordination. We are dedicated to making your closing experience prompt and stress-free.

Don’t miss out! Let Oaktree Funding help you get a seamless homebuying journey. Contact us today to start your application. Oaktree’s customer reviews are so glowing, they could light up a haunted house!

Customer Reviews of Oaktree Funding

Oaktree Funding is a renowned mortgage lender in the market, known for its top-notch services. The company has received high ratings and positive feedback from its customers, which is a testament to its credibility. The satisfaction of its customers is of utmost importance to Oaktree Funding, and they strive to provide the best solutions and services to every customer.

Numerous customers have praised Oaktree Funding for its professionalism, expertise, and excellent communication skills. The company’s loan officers are known for simplifying the loan process and keeping their customers informed at every step. Customers have also appreciated the competitive rates and customized solutions offered by Oaktree Funding.

Apart from the standard mortgage options, Oaktree Funding provides unique programs such as Jumbo loans, VA loans, and FHA loans, catering to the needs of every customer. The company maintains complete transparency and honesty throughout the loan process, which has won the trust of its customers.

If you’re looking for a hassle-free and reliable mortgage dealing, Oaktree Funding is the perfect choice. Don’t miss out on availing of its world-class services and join the pool of satisfied customers.

“Oaktree Funding got positive reviews? Well, the world is upside-down, but at least they’re not as crooked as some other lenders.”

Positive Reviews

Customers have showered Oaktree Funding with immense positive feedback! They were impressed with the prompt response and follow-up actions. Plus, the team had excellent communication skills and transparency.

Oaktree also tailored solutions to each customer, making the experience stress-free. People praised their professionalism and expertise in mortgage funding.

On top of that, some even appreciated Oaktree for going beyond their responsibilities to help out. To get the best out of your experience, talk to one of their reps for personalized solutions.

Negative Reviews

Oaktree Funding’s Unfavorable Feedback

Clients of Oaktree Funding are not pleased. Many customers said it was difficult to contact customer service, and some stated there were delays in loan processing and disbursement. Plus, they were displeased with the whole process. The company was not transparent in its communication and did not give them full information about the loan procedure.

Nevertheless, Oaktree Funding has some positive reviews for its mortgages. Consumer Affairs, a website for honest customer ratings, rated Oaktree Funding an average of 3.5 out of 5 based on over 200 reviews.

Sources agree that some Oaktree Funding customers were not content with their experience. Do your research and take the reviews into account before you decide to apply.


The Final Word on Oaktree Funding?

Reliable, trustworthy mortgage services are exactly what you’ll get with Oaktree Funding. Client reviews depict them as communicative, prompt, and professional. Therefore, this lender is a great pick for anyone in need of a mortgage.

Not to mention, Oaktree offers a wide selection of loan products, tailored to customers with various financial circumstances. Plus, you can expect competitive rates and personalized service from knowledgeable staff members.

Another great feature of Oaktree Funding is their commitment to assisting customers throughout the entire loan process. Their loan officers will explain every step clearly and support you throughout the journey.

Pro Tip: Request a customized mortgage policy – you may end up with more favorable interest rates and terms.

Frequently Asked Questions

1. What is Oaktree Funding?

Answer: Oaktree Funding is a full-service mortgage lender that offers a variety of loan products to help borrowers achieve their homeownership goals. They specialize in providing personalized solutions for refinancing, home purchases, and home equity loans.

2. Are there any Oaktree Funding reviews available online?

Answer: Yes, there are many Oaktree Funding reviews available online. A quick search will reveal a collection of customer feedback from various rating websites. The majority of the reviews are positive, highlighting Oaktree Funding’s excellent customer service and competitive loan rates.

3. What are the loan products offered by Oaktree Funding?

Answer: Oaktree Funding offers a range of loan products, including conventional loans, FHA loans, VA loans, jumbo loans, renovation loans, and reverse mortgages. Each product has different benefits and qualification requirements, allowing borrowers to select the best option for their unique situation.

4. How can I apply for a loan with Oaktree Funding?

Answer: Applying for a loan with Oaktree Funding is a simple process. You can visit their website and fill out an online application form, or you can contact their loan officers directly. They will guide you through the application process and provide you with personalized solutions to meet your financing needs.

5. How long does the loan approval process take at Oaktree Funding?

Answer: The loan approval process at Oaktree Funding typically takes between 30 to 45 days, although it can vary depending on the complexity of the loan application. They use a streamlined application process and advanced technology to expedite the process and provide timely responses to their borrowers.

6. Does Oaktree Funding offer any special financing programs for first-time homebuyers?

Answer: Yes, Oaktree Funding offers special financing programs for first-time homebuyers, such as FHA loans and VA loans. These programs provide lower down payment requirements and more flexible qualification standards to help first-time buyers achieve their homeownership dreams.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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