NMHL Mortgage Lending
Mortgage Lender in Edmond, OK
Local expertise and competitive rates for Edmond homebuyers.
Edmond Housing Market Overview
Edmond is Oklahoma City's premier northern suburb, known for excellent schools, the University of Central Oklahoma, and a high quality of life. The city attracts families seeking top education and safe, well-maintained neighborhoods.
Edmond Neighborhoods
Popular areas for homebuyers in Edmond, OK
ZIP Codes We Serve in Edmond
Mortgage lending available in these Edmond ZIP codes
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 Edmond
Explore mortgage options tailored to Edmond 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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Understanding Edmond's Housing Market
Edmond's housing market is characterized by its strong schools, family-friendly atmosphere, and proximity to Oklahoma City. The median home price is $320,000, with homes ranging from $200,000 to over $1 million. Neighborhoods like Deer Creek and Coffee Creek are particularly popular among families, while Downtown Edmond offers a more urban, walkable lifestyle.
Recent trends indicate continued growth in Edmond, driven by new development on the north and east sides of the city. This growth is expected to continue, making Edmond an attractive location for both homebuyers and investors.
New development in Edmond continues to drive growth and home value appreciation.
NMHL Mortgage Programs for Edmond Borrowers
At NMHL, we offer a range of mortgage programs tailored to the needs of Edmond borrowers. These include:
- Down payment assistance programs to help with upfront costs
- Veteran-specific loans with competitive rates and terms
- Options for self-employed individuals and those with non-traditional income
- First-time homebuyer programs with low down payment requirements
Our mortgage experts will work with you to determine the best program for your situation and guide you through the application process.
NMHL offers mortgage programs for borrowers with unique needs, including self-employed individuals and veterans.
Down Payment Assistance in Edmond
Down payment assistance is available to Edmond homebuyers through various programs, including those offered by NMHL and the Oklahoma Housing Finance Agency (OHFA). These programs can help reduce the upfront costs of purchasing a home, making homeownership more accessible.
To qualify, borrowers typically need to meet certain income limits and complete a homebuyer education course. Our mortgage experts can help you navigate these requirements and determine the best program for your situation.
Down payment assistance programs can help reduce upfront costs for Edmond homebuyers.
Edmond Neighborhoods and Communities
Edmond is home to a variety of neighborhoods and communities, each with its own unique character. Some popular areas include:
- Deer Creek: Known for its excellent schools and family-friendly atmosphere
- Coffee Creek: A newer community with modern homes and amenities
- Downtown Edmond: Offers a walkable, small-town lifestyle with proximity to the University of Central Oklahoma
- Oak Tree: A golf course community with mature landscaping and recreational amenities
Our mortgage experts are familiar with these neighborhoods and can provide guidance on the local market conditions and trends.
Edmond's neighborhoods offer a range of lifestyles and amenities, from family-friendly communities to urban, walkable neighborhoods.
Frequently Asked Questions
The average property tax rate in Edmond is 0.91%. This rate is relatively competitive compared to other Oklahoma cities. Borrowers should factor this into their overall housing costs when considering a mortgage.
Edmond Public Schools and Deer Creek Schools are highly rated, contributing to the city's premium home values. Homes within these districts tend to retain their value and appreciate over time, making them attractive to families and investors alike.
NMHL offers several mortgage programs for first-time homebuyers, including options with down payments as low as 3.5%. Oklahoma Housing Finance Agency (OHFA) programs are also available, providing additional down payment assistance and competitive interest rates.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our experts will review your credit history and provide personalized guidance on available programs, including those with more lenient credit score requirements.
Families often choose neighborhoods like Deer Creek, Coffee Creek, and Oak Tree due to their excellent schools, parks, and community amenities. Downtown Edmond is also a popular choice, offering a walkable, small-town atmosphere with proximity to the University of Central Oklahoma.
To begin, contact NMHL to schedule a consultation with one of our mortgage experts. We'll guide you through the pre-approval process, discuss your mortgage options, and help you determine the best course of action for your unique situation.
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Ready to Buy in Edmond?
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