"We Provide Solutions Outside the Box"

Stone Oak Mortgage structures loans other lenders can't, with clear communication at every step.

Common scenarios we solve every week:

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We have loan officers in your community that thrive on helping you find the right mortgage to fit your needs.

Explore various loan program options for fixed and adjustable rate mortgages.

Our mortgage calculators help you hone in on your future mortgage based on options, interest rates, and more.

Get started with our secure application. It's a few quick questions that take about 12 minutes to complete.

We match the guideline to your reality -not the other way around.

Self-employed / 1099

Bank Statement / P&L options that work with your actual income flow, not just tax returns.

Commission / variable pay

Income averaging strategies that capture your earning power accurately.

Multiple properties

Investor/DSCR options that simplify qualification using rental income.

Credit needs work

Rapid rescore + actionable plan to get you to closing faster.

Tight timeline

Fast documentation checklist + proactive updates so you're never in the dark.

Non-traditional assets

Asset-based qualification options for unique financial situations.