NMHL Mortgage Lending
Mortgage Lender in Enid, OK
Local expertise and competitive rates for Enid homebuyers.
Enid, Oklahoma's housing market is experiencing steady growth, with a current median home price of $143,000. As a borrower in Enid, you're likely looking for mortgage options that fit your unique financial situation. At National Mortgage Home Loans (NMHL), we specialize in helping underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers.
Our local expertise and personalized service make us the go-to lender in Enid. We offer a range of mortgage programs, including FHA, VA, USDA, and Conventional loans, with competitive rates and flexible terms. Whether you're looking to purchase a home in the Enid Historic District or a new construction in the Meadowlake subdivision, we'll help you navigate the process and find the best mortgage solution for your needs.
With NMHL, you can get pre-approved online in minutes and receive a dedicated loan officer to guide you through the application process. Our team is committed to helping you achieve your homeownership goals, even if you've faced financial challenges in the past.
Enid Housing Market Overview
Explore mortgage options in Enid, OK with NMHL. Our local expertise helps you navigate the Enid real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Enid
Explore mortgage options tailored to Enid homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Exploring Enid's Neighborhoods
Enid is a diverse city with a range of neighborhoods to suit different lifestyles and preferences. Some popular areas include the Enid Historic District, with its charming older homes and tree-lined streets; the Meadowlake subdivision, with its modern new constructions and family-friendly amenities; and the downtown area, with its vibrant shops and restaurants.
- The Enid Historic District is known for its historic homes and architectural charm.
- The Meadowlake subdivision offers modern new constructions and family-friendly amenities.
- The downtown area is home to Enid's vibrant shops and restaurants.
Whether you're looking for a historic home or a new construction, Enid has something to offer. Contact NMHL to learn more about your mortgage options.
First-Time Homebuyer Programs in Oklahoma
Oklahoma offers a range of programs to help first-time homebuyers achieve their homeownership goals. The Oklahoma Housing Finance Agency (OHFA) offers several down payment assistance programs, including the OHFA Down Payment Assistance Program and the OHFA Second Mortgage Program. These programs can provide up to 4% of the home's purchase price in down payment assistance, helping to reduce the upfront costs of homeownership.
NMHL is an approved lender for OHFA programs and can help you explore your options and apply for assistance. Our team is committed to helping you achieve your homeownership goals, even if you're new to the process.
Don't let down payment costs hold you back from achieving your homeownership dreams. Contact NMHL to learn more about first-time homebuyer programs in Oklahoma.
NMHL Mortgage Programs for Underserved Borrowers
At NMHL, we believe that everyone deserves access to affordable mortgage financing. That's why we offer a range of mortgage programs designed to help underserved borrowers, including those with bad credit, self-employed individuals, and veterans. Our Bad Credit Mortgage program is designed for borrowers with credit scores as low as 580, and we can help you explore options for rebuilding your credit and qualifying for a mortgage.
Our team is committed to helping you achieve your homeownership goals, even if you've faced financial challenges in the past. We'll work with you to identify the best mortgage solution for your situation and provide guidance on the application process.
Don't let credit challenges hold you back from achieving your homeownership dreams. Contact NMHL to learn more about our mortgage programs for underserved borrowers.
The Benefits of Working with NMHL
At NMHL, we're committed to providing personalized service and expert guidance to help you navigate the mortgage process. Our team of experienced loan officers is dedicated to helping you achieve your homeownership goals, and we'll work with you to identify the best mortgage solution for your situation.
- Competitive rates and flexible terms
- Personalized service and expert guidance
- A range of mortgage programs to suit different needs
Whether you're a first-time homebuyer or a seasoned homeowner, we'll help you every step of the way. Contact NMHL today to learn more about your mortgage options in Enid.
Get started on your homeownership journey today. Contact NMHL to learn more about your mortgage options.
Frequently Asked Questions
The average effective property tax rate in Enid is 0.89%, which is lower than the national average. Homeowners in Enid can expect to pay around $1,272 in annual property taxes on a median-valued home. However, property tax rates can vary depending on the specific location within Enid and the value of your property.
Enid is served by the Enid Public Schools district, which is known for its strong academic programs and extracurricular activities. Homes located within the boundaries of highly-rated schools tend to have higher property values and appreciate faster over time. If you're a homebuyer with children, researching the local school districts and their boundaries can help you make an informed decision about your home purchase.
The Oklahoma Housing Finance Agency (OHFA) offers several down payment assistance programs for homebuyers in Enid, including the OHFA Down Payment Assistance Program and the OHFA Second Mortgage Program. These programs can provide up to 4% of the home's purchase price in down payment assistance, helping to reduce the upfront costs of homeownership.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our Bad Credit Mortgage program is designed for borrowers with credit scores as low as 580, and we can help you explore options for rebuilding your credit and qualifying for a mortgage. We'll work with you to identify the best mortgage solution for your situation and provide guidance on the application process.
NMHL is a VA-approved lender and offers a range of mortgage options for veterans, including VA loans with zero down payment requirements. Our VA loan program provides competitive rates and flexible terms, and we can help you navigate the application process and take advantage of your VA benefits.
With NMHL, you can get pre-approved online in just a few minutes. Our online pre-approval application is designed to be quick and easy, and you'll receive a personalized pre-approval letter that you can use to shop for homes with confidence. We'll also assign a dedicated loan officer to guide you through the application process and help you stay on track.
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Ready to Buy in Enid?
Let NMHL help you navigate the Enid housing market with expert guidance and competitive rates.