First Home Mortgage

First Home Mortgage

Own It!

You do you, we've got the rest.

Our First Home Mortgage program is designed to ease the difficulties of getting your first home by eliminating two of the biggest hurdles of new home buyers – down payment expenses and PMI.

View current mortgage rates here.

First Home Mortgage Features:

– No Money Down

– No PMI (Private Mortgage Insurance)

– Multiple Terms Available

No Down Payment

-You Can Own it Now-

Saving for a down payment is the most difficult part of the getting into your first home. The typical home mortgage requires 5% of the purchase price at closing, which can be costly and overwhelming. That's why we don't require money down.

No PMI Required

-You Pay Less-

Unlike other lenders, we don't require our first home buyers to take on the additional monthly cost of PMI (Private Mortgage Insurance). PMI is determined based on a variety of different factors like credit score, LTV, debt ratio, etc. Avoiding this added expense can save you thousands though the life of your loan.

Low Interest Rate Options

-You Save More In Interest-

With our competitive low rates - and the option to choose your term - you can have more control over how fast you pay down your interest and start building equity toward your new investment.


First time home buyers must not have owned real property in the last three years. Rates on adjustable mortgages may increase after consummation. The rate may be based on the loan term. Must be owner occupied residential property located in the State of Oklahoma. Mortgages not available on rental property, manufactured homes, or modular homes. Maximum loan amount is $300,000 for First Home Mortgage program. Property insurance is required. If the property is in a Special Flood Hazard Area, flood insurance is required if it is available. We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us. Consult your tax advisor for tax deductibility. Please call for programs, rates terms, and conditions. All loan programs, rates, terms, and conditions are subject to credit approval and underwriting requirements and may change at any time without notice.