Our team of experts will be by your side every step of the way. We have a wide variety of
loans to help you purchase your dream home now!
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About Us

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

Mortgage Solutions Tailored to Your Needs

Personalized attention and high quality lending solutions just for you

Contact us for a consultation

Ready to take action? Call us today to schedule your free consultation. One of our experts will guide you through the process and answer questions.

Work with our specialists

One of the specialists at Oxford Capital Mortgage will walk you through the home-buying process, every step of the way. Are you ready?

Join us for our next mortgage-based education seminar!

Mortgage Options

Mortgage Calculator

estimate the total cost of your home, a down payment amount, interest rate and a payment period.

Conventional Loans

guarantee the possibility of homeownership, for those who are unsure about their credit but still want to own a home.

Investor Loans

are as low as 20% down, fixed or adjustable rates and up to a 30 year term, with delayed financing available.

Commercial Loans

are loans secured by commercial property, such as an office building, shopping center, or apartment complex.


loans are funded and serviced by HUD-approved banks, credit unions, and mortgage lending companies.

FHA 203k

loans enable you to borrow money, with just one loan, for both home improvement and a home purchase.


loans help improve quality of life in rural communities by making loans available with low-interest rates at no down payment.


loans help veterans and active-duty members and their families, buy homes with no down payment.

Why Oxford Capital?



Bruce Davie
Bruce Davie
Oxford Capital has helped me go from a renter to an owner. Jeffrey Maroney worked with me for 2 years to make sure when I was ready to apply for a mortgage I was approved. I won't work with anyone else!!
Mary Marinaccio
Mary Marinaccio
We had a very smooth mortgage experience with Capital Mortgage and Jeff Maroney. Jeff made sure we right on schedule the whole way through. A very positive experience.
Sonyia Szymusiak
Sonyia Szymusiak
I cannot say enough good about Maureen Davis & Henny O'Connor and Oxford Capital! Their willingness to go above and beyond, their genuine kindness, their generosity, their KNOWLEDGE, their continual encouragement and overall support throughout the entire process of buying our first home was second to NONE!! If you are looking for the BEST TEAM to have on your side.. they are IT! On behalf of my entire family, THANK YOU Maureen & Henny! You helped make our family's dream come true!
Stephanie Mero
Stephanie Mero
We had less than perfect credit going into the home buying process, so buying was a little more challenging for us. Henny helped smooth over the stress of the many steps we had to take. She was a good communicator, always readily available to answer questions, and diligent about keeping the process moving along!
Tom Giunta
Tom Giunta
I always am very confident in referring prospective home buyers to the hard-working and knowledgeable people at Oxford Capital Mortgage. I have particularly worked with Henny and Maureen, who both provided excellent and comprehensive service and information with respect to mortgage options and programs. I highly recommend either of them to meet anyone's mortgage needs.
lynnette Ciurca
lynnette Ciurca
This was our second time using Oxford Capital and it won’t be the last. Throughout the entire process I felt like I was the only client. My messages and phone calls were answered quickly, regardless of time of day, or day of the week. When things got rocky as a result if unforeseeable circumstances , Nick stepped right in, going over and beyond what was expected to advocate for us and make sure things were done. Nick was honest, professional, and calm when deadlines approached. He always kept his word, advocated for us, and did whatever was necessary to get the ball rolling and keep it that way. In the end, it all worked out just as he assured me it would. I would strongly recommend Oxford Capital.
Samantha Miller
Samantha Miller
Everyone was super helpful throughout the entire mortgage process. They were able to answer any question I had and they made sure we were always on time with any deadlines. 10/10 would recommend.

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