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From our family to yours, we’re proud to offer Oklahomans an affordable way home. Let’s find the right mortgage program for you.

Key Features

  • Competitive Rates
  • Refinancing Available
  • Fast Processing
  • Hands-On Guidance
  • Competitive rates for home purchase or refinance
  • Flexible terms customized to your homebuying budget
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing loans
    • FHA loans
    • VA loans
    • First-time homebuyer specials
  • Expert lenders with working knowledge of the Oklahoma real estate market
  • Free pre-qualification for extra confidence when it comes to securing financing
  • Refinancing available on your current home to potentially lower your rate
  • Local decision-making and processing here in Tahlequah
  • Attentive, friendly service from start to finish

We’re excited to help you purchase the home of your dreams — at the right price. Learn more about the home mortgage programs we offer below.

First-Time Homebuyers

There are many down payment assistance programs available to first-time homebuyers. Talk to our mortgage lenders at 918-456-6108 to find out how you can get grant funds or down payment assistance for a down payment and closing costs. 

Conventional Loans

Conventional loans are mortgage loans that are not insured by the government (like FHA, VA, USDA), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms, and/or lower fees than other types of loans; however, conventional loans typically require a down payment. 

Right For: Borrowers with excellent credit and can provide a down payment. 

FHA Loans

The Federal Housing Administration (FHA) insures loans so lenders can offer financing to home buyers with limited down payment funds and/or credit challenges. FHA loans offer low down payments and refinancing with up to 96.5% loan to value available on rate/term refinances.

Right For: Borrowers that have less than perfect credit, first-time homebuyers, and borrowers with low equity in their existing home. 

USDA Rural Development Loans

The USDA Rural Development is another government sponsored home buying program to promote homeownership, especially to first-time homebuyers. This program offers a zero down home loan. Lower PMI than for FHA and conventional loans. Income, location, and other restrictions apply.

Right For: Borrowers eligible based on income, borrowers who need zero down financing, first-time homebuyers, and borrowers with one home only.

HUD Section 184 Loans

This program is designed to allow affordable down payment options for Native American borrowers that are purchasing a home. This loan product can be used for new construction, rehabilitation, purchase of an existing home, or refinance. Maximum loan limits vary by county. 

VA Loans

A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US Service members. Program benefits include no money down, refinancing up to 100% of the value of your home, no PMI required.

Right For: Active Duty or honorably discharged service members that are eligible based on the VA guidelines.

Jumbo Loans

If you are purchasing a home requiring a loan over $484,350, talk to us about our jumbo loan product. Both fixed and adjustable rate loans are available.

Refinance Loans

If you are interested in refinancing your home, there are many possible benefits including cash out, lowering your loan payment, lower interest rate, and first and second mortgage consolidation.

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