Explore Tulsa Mortgage Solutions
Welcome to your one-stop source for exploring all your mortgage options in Tulsa! Whether you’re a first-time homebuyer, a veteran, or looking to build your dream home from the ground up, we’ve got you covered. Our wide range of loan solutions includes everything from competitive Tulsa mortgage rates to specialized Tulsa VA loans and innovative Tulsa new construction loans, designed to meet your unique needs. Navigating your mortgage options has never been easier. Let us guide you to the perfect loan with the ease and expertise you deserve. Discover the path to your new home, right here.
Home Loan Solutions
Conventional Loans
Conventional loans follow Freddie Mac and Fannie Mae guidelines, typically maxing out at $795,000 (higher limits may apply). Enjoy several benefits, including:
Flexibility for primary homes, vacation properties, or rentals
Fixed or adjustable rates (ARMs) with 10-30 year term options
No monthly mortgage insurance with 20%+ down payment
Lower mortgage insurance costs than government loans
Did You Know? Conventional loans dominate the market!
Oklahoma Mortgage Group Can Help
Meet conventional lending requirements with a minimum FICO score of 620. First-time and seasoned homebuyers are welcome! We even offer a conventional loan option for those with no credit score.
USDA Loans
A fantastic option for purchasing a home in Tulsa’s suburbs or surrounding rural areas. These government-backed loans offer incredible advantages:
Zero Down Payment: Move into your Tulsa home sooner without draining your savings.
Flexible Credit: Qualify even with less-than-perfect credit scores.
Competitive Rates: Secure a great interest rate on your Tulsa mortgage.
More USDA Loan Benefits
USDA-Defined Rural Areas: Many Tulsa suburbs and nearby towns qualify.
Income Limits: Guidelines exist, but our OMG experts will help you determine if you’re eligible.
Is a Tulsa USDA Loan Right for You?
If you dream of owning a home in the Tulsa area, a USDA loan could be your path to success. OMG guides you through the process, ensuring a smooth experience.
VA Loans
A powerful mortgage option for veterans and active-duty military members. These government-backed loans are our way of thanking you for your service, offering amazing benefits:
No Down Payment: Own your dream Tulsa home sooner, with zero down payment required.*
Lower Interest Rates: Secure competitive rates that can save you thousands over the life of your Tulsa mortgage.
No Private Mortgage Insurance (PMI): Reduce your monthly costs.
Flexible Credit: Qualify with scores as low as 580.
More Tulsa VA Loan Benefits
VA Assistance: Get support if you encounter financial difficulties.
Refinance Options: Lower your rate or access your home’s equity with a VA streamline refinance.
Who Qualifies for a Tulsa VA Loan?
Veterans
Active-duty military members
Reservists and National Guard members
Surviving spouses of veterans
How to Get Your Tulsa VA Loan
OMG streamlines the process. First, obtain your Certificate of Eligibility (COE) to confirm your status. We’ll guide you through the COE application and the rest of your VA loan journey.
Native American Loans (HUD 184):
Designed exclusively for Native American families, tribes, or tribally designated housing entities, the HUD Section 184 Loan Program is a dynamic pathway to homeownership that honors your heritage and respects your unique financial needs.
Key Benefits of HUD 184 Loans:
Tailored Financing: Specialized loan program catering specifically to the needs of Native American homebuyers.
Low Down Payment: Minimal down payment requirements make it easier to purchase a home.
Flexible Credit Criteria: Understanding of unique credit and financial situations to facilitate approval.
Competitive Interest Rates: Access to market-leading rates, making your loan more affordable over time.
Down Payment Assistance Programs
Oklahoma Mortgage Group (OMG) is your key to down payment assistance programs, making Tulsa homeownership a reality. We offer both nationwide and Oklahoma-specific options to fit your needs:
Nationwide Programs
National Homebuyers Fund — 3.5% down payment assistance for FHA loans
Freddie Mac BorrowSmart Access℠ – $3,000 in assistance available in select areas
Downpayment Plus® – $10,000 or 25% of the first mortgage amount in down payment assistance (whichever is less) for eligible homebuyer
Oklahoma-Focused Assistance
Cherokee Nation Mortgage Assistance Program
City of Tulsa First Time Homebuyer Program
County First Time Homebuyer Program
OHFA Programs: DREAM, Gold, 4Teachers, Shield
REI Down Payment Assistance: Multiple options (Conventional, FHA, Government)
Our Tulsa mortgage experts guide you through the process, matching you with the perfect down payment assistance program. Don’t let lack of down payment hold you back – contact us today!
Geographical restrictions apply. All loan requests are subject to credit approval as well as specific loan program requirements and guidelines.
Jumbo Loans
Looking to purchase a luxury property in Tulsa? Oklahoma Mortgage Group (OMG) offers jumbo loans tailored to make your dream home a reality. Bypass conventional loan limits and secure the financing you need.
What is a Tulsa Jumbo Loan?
Jumbo loans exceed the standard conforming loan limit ($795,000+ in 2025). They’re perfect for Tulsa’s high-value homes. While interest rates may be slightly higher, jumbo loans offer distinct advantages
Finance Up to $3 Million: Secure Tulsa’s most desirable properties.
Flexible Down Payments: Options for less money down, especially with our Wealth Building Loan
Second Home Financing: Jumbo loans can even be used for your Tulsa vacation home.
Diverse Property Options: Including condos and condotels.
Why Choose OMG for Your Tulsa Jumbo Loan?
We specialize in Tulsa’s unique market. Our jumbo loan experts offer:
Personalized Guidance: Find the perfect jumbo loan for your needs.
Competitive Rates: Secure the best terms for your Tulsa home.
Smooth Process: Experience a streamlined jumbo loan journey
All loan requests are subject to credit approval as well as specific loan program requirements and guidelines.
*Available for qualified homebuyers for financing up to $1,149,825 with as low as a 700 FICO or financing up to $795000 with as low as a 680 FICO. With adjustable-rate mortgages (ARM), the interest rate is variable and may increase or decrease after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment. Geographical variations may apply. Specific information about loan adjustment period available at application.
Invest
Ready to expand your Tulsa real estate holdings? Oklahoma Mortgage Group (OMG) offers specialized investment property loans, fueling your success with:
High Financing: Secure up to 85% LTV for 1-4 unit properties, minimizing your upfront capital.
Investor-Friendly Terms: Qualify with scores as low as 620 and own up to 10 financed properties.
Jumbo Options: Access up to $1.5 million for larger Tulsa investment deals.
Debt Service Coverage Ratio (DSCR) Loans: No tax returns needed – qualify based on your property’s potential rental income.
Why Choose OMG for Your Tulsa Investment Loans?
Tulsa Market Expertise: We understand the unique opportunities and challenges for Tulsa investors.
Personalized Solutions: We’ll tailor the right loan for your investment strategy.
Streamlined Process: Close your deals quickly and efficiently.
All loan requests are subject to credit approval as well as specific loan program requirements and guidelines. With adjustable-rate mortgages (ARM), the interest rate is variable and may increase or decrease after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment. Geographical variations may apply. Specific information about loan adjustment period available at application.
One-Time Close Construction Loans
Streamline Your Build with One-Time Close Construction Loans: Simplify your project with Oklahoma Mortgage Group’s new construction loans, combining your land loan, construction financing, and mortgage into one.
One-Step Financing: Combine land purchase, construction, and permanent mortgage into a single loan.
Extended Rate Lock: Secure your rate for up to 480 days, with the option to reduce if rates fall before you close.
Low Down Payment: Just 5% down to start your build, with the option to use lot equity for qualified owners.
Interest-Only Payments: Make interest-only payments during construction for better cash flow management.
On-Time Closure: Depend on us to get you to the closing table without delay, so you can turn the key to your new home on schedule.
Refinancing Solutions
Let’s examine your current mortgage situation. Depending on your circumstances, there might be opportunities to:
- Access cash; consolidate debt, pay off a car, or renovate.
- Decrease your monthly mortgage payment.
- Secure a lower interest rate.
- Accelerate loan payoff.
First-Time Homebuyers
Ready to make your Tulsa homeownership dream a reality? We understand the excitement and nerves that come with buying your first home. That’s why OMG specializes in helping Tulsa first-time homebuyers navigate the process.
We’ll Help You Secure Your Tulsa Mortgage
From choosing the right loan to understanding down. payments, we’ll provide expert guidance every step of the way. Our experienced team knows the ins and outs of Tulsa mortgages, ensuring you make informed decisions.
Contact Us Today!
At Oklahoma Mortgage Group, we believe that everyone deserves access to affordable homeownership and financial stability. Whether you’re buying your first home or refinancing your existing mortgage, we’re here to make the process as smooth and stress-free as possible.
Contact us today to learn more about our home loan and refinancing solutions. Our team is standing by to help you achieve your homeownership goals. Let’s embark on this journey together and turn your homeownership dreams into reality.