NMHL Mortgage Lending
Mortgage Lender in Oklahoma City, OK
Local expertise and competitive rates for Oklahoma City homebuyers.
Oklahoma City Housing Market Overview
Oklahoma City has undergone a remarkable transformation through the MAPS (Metropolitan Area Projects) initiatives, creating a vibrant downtown with a river district, Thunder basketball, and diverse dining. The city offers exceptional affordability for a state capital of this size.
Oklahoma City Neighborhoods
Popular areas for homebuyers in Oklahoma City, OK
ZIP Codes We Serve in Oklahoma City
Mortgage lending available in these Oklahoma City 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 Oklahoma City
Explore mortgage options tailored to Oklahoma City 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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Oklahoma City's Thriving Housing Market
Oklahoma City's housing market is experiencing significant growth, driven by the MAPS initiative and a strong local economy. The city's median home price is $225,000, making it an attractive location for homebuyers. Neighborhoods such as Midtown and Paseo Arts District offer urban living options, while areas like Nichols Hills and Edmond provide more suburban alternatives.
The local economy is driven by a diverse range of industries, including energy, healthcare, and technology. Major employers include Devon Energy, Tinker Air Force Base, and OU Health. This economic stability has contributed to Oklahoma City's affordable housing market, making it an ideal location for first-time homebuyers and families.
NMHL's expertise in Oklahoma City's local market enables us to provide personalized guidance and support throughout the mortgage process.
Mortgage Options for Oklahoma City Borrowers
NMHL offers a range of mortgage programs tailored to the needs of Oklahoma City borrowers, including first-time homebuyers, self-employed individuals, and those with bad credit. Our mortgage options include FHA loans, VA loans, and conventional loans, as well as specialized programs such as the NMHL Down Payment Assistance Program.
- FHA loans: Ideal for first-time homebuyers, FHA loans offer low down payment requirements and more lenient credit score thresholds.
- VA loans: Available to eligible veterans and active-duty military personnel, VA loans offer favorable terms and zero down payment requirements.
- Conventional loans: Our conventional loan options offer competitive interest rates and flexible terms.
Get pre-approved today and take the first step towards homeownership in Oklahoma City.
Down Payment Assistance Programs in Oklahoma City
Down payment assistance programs can help Oklahoma City borrowers cover the upfront costs of purchasing a home. The Oklahoma Housing Finance Agency (OHFA) offers down payment assistance programs for first-time homebuyers, and NMHL also provides access to down payment assistance programs.
Our down payment assistance programs can help borrowers cover up to 3.5% of the purchase price, and can be used in conjunction with other mortgage programs. We can help borrowers determine the best down payment assistance program for their needs.
Don't let down payment costs hold you back from achieving your homeownership goals. Contact NMHL today to learn more about our down payment assistance programs.
School Districts and Home Values in Oklahoma City
School districts play a significant role in determining home values in Oklahoma City. Highly rated school districts, such as Edmond Public Schools and Oklahoma City Public Schools, can increase property values and attract families to the area.
Homebuyers should research the local school districts and factor in the quality of education when making a purchasing decision. Our experienced mortgage professionals can help borrowers understand the impact of school districts on home values and provide guidance on the mortgage process.
Research the local school districts and find the best fit for your family.
Frequently Asked Questions
The average property tax rate in Oklahoma City is 0.90%. This is relatively low compared to other major cities in the US, making Oklahoma City an attractive location for homebuyers. Homeowners should factor in property taxes when determining their overall housing costs.
Yes, the Oklahoma Housing Finance Agency (OHFA) offers down payment assistance programs for first-time homebuyers. NMHL also provides access to down payment assistance programs, such as the NMHL Down Payment Assistance Program, which can help borrowers cover the upfront costs of purchasing a home.
Some of the most popular neighborhoods in Oklahoma City include Midtown, Paseo Arts District, Nichols Hills, and Mesta Park. These neighborhoods offer a range of housing options, from urban condos to historic homes, and are known for their unique character and charm.
Yes, NMHL offers mortgage programs for borrowers with bad credit. We understand that credit scores can be impacted by various factors, and we're committed to helping borrowers achieve their homeownership goals. Our bad credit mortgage programs may require alternative forms of credit verification or may have different interest rates and terms.
School districts play a significant role in determining home values in Oklahoma City. Highly rated school districts, such as Edmond Public Schools and Oklahoma City Public Schools, can increase property values and attract families to the area. Homebuyers should research the local school districts and factor in the quality of education when making a purchasing decision.
NMHL offers a range of mortgage options for first-time homebuyers in Oklahoma City, including FHA loans and VA loans. We also provide access to down payment assistance programs and other resources to help first-time homebuyers navigate the mortgage process. Our experienced mortgage professionals can help borrowers determine the best mortgage solution for their needs.
Related Resources
Ready to Buy in Oklahoma City?
Let NMHL help you navigate the Oklahoma City housing market with expert guidance and competitive rates.