The average property tax rate in Bartlesville is 0.89%, which is relatively low compared to other parts of the country. However, property tax rates can vary depending on the specific location within Bartlesville and the value of the property. For example, homes in the Bartlesville Public Schools district may have slightly higher property taxes than those in other areas. Borrowers should factor property taxes into their overall mortgage costs and consider working with a lender like NMHL to explore options for financing these expenses.

The Bartlesville Public Schools district serves the majority of the city, and homes within this district tend to hold their value well. In fact, homes located in highly-rated school districts like Bartlesville Public Schools often command a premium price compared to similar homes in other areas. This is because buyers are willing to pay more for homes that are zoned for top-performing schools. NMHL's mortgage experts can help borrowers understand how school districts impact home values and find mortgage options that fit their budget.

First-time homebuyers in Bartlesville can take advantage of down payment assistance programs like the Oklahoma Housing Finance Agency (OHFA) Down Payment Assistance Program. This program provides up to 3.5% of the home's purchase price in down payment assistance, which can be a valuable resource for borrowers who may not have the funds for a large down payment. NMHL's mortgage experts can help borrowers explore these options and determine which programs they're eligible for.

While having bad credit can make it more challenging to get pre-approved for a mortgage, NMHL offers specialized loan programs for borrowers with less-than-perfect credit. Our mortgage experts will work with you to understand your credit situation and identify mortgage options that fit your needs. We consider factors beyond just credit score, such as income, employment history, and debt-to-income ratio, to determine your eligibility for a mortgage.

Self-employed borrowers in Bartlesville can access a range of mortgage options through NMHL, including our Bank Statement Loan Program. This program allows self-employed borrowers to qualify for a mortgage using bank statements rather than traditional income documentation. Our mortgage experts will work with you to understand your financial situation and identify the best mortgage options for your needs.

Yes, NMHL offers a range of mortgage programs specifically designed for veterans, including VA loans. These loans offer favorable terms, such as lower interest rates and lower or no down payment requirements. Our mortgage experts are experienced in handling VA loans and can help veterans navigate the application process. We also offer other specialized loan programs for veterans, such as our Veteran's Advantage program, which provides additional benefits and discounts for eligible borrowers.