Capital Home Mortgage Oklahoma

Oklahoma USDA Home Loans

Oklahoma USDA Mortgage Lender

Welcome to Capital Home Mortgage Oklahoma, where we strive to provide rural Oklahoma homebuyers and homeowners Oklahoma USDA Home Loans at competitive Oklahoma USDA Mortgages Rates with low fees while providing outstanding customer service.

To begin  we’d like to thank you for the giving us the opportunity to earn your business.  We understand that purchasing a rural home comes with different challenges and concerns.  That is why Capital Home Mortgage Oklahoma offers dedicated USDA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing.  After all, buying your Oklahoma rural dream home should be exciting.

Capital Home Mortgage Oklahoma is a direct Oklahoma USDA Mortgage Lender that manages the entire lending process.  Our in-house processing and underwriting enables for quick, common sense approvals, which then moves quickly through the final USDA approval.  As a direct Oklahoma USDA lender we have complete control over everything from the application to the funding.

Call today (405) 310-8850 to speak to an Oklahoma USDA Loan Officer.

Oklahoma Rural Real Estate Market overview

Rural housing in Oklahoma presents unique opportunities and challenges due to the state’s diverse geography, economy, and population distribution.  Oklahoma boasts a mix of landscapes, including plains, forests, mountains, and lakes, with many rural areas scattered throughout the state. Rural communities vary in size, infrastructure, and access to amenities.

Rural housing in Oklahoma ranges from traditional single-family homes to farmhouses, ranches, and manufactured homes. Housing styles may reflect regional preferences and cultural influences. Some rural areas also have historic homes and structures.

Rural housing in Oklahoma often offers more affordable options compared to urban areas. Lower land prices and construction costs contribute to this affordability, making homeownership more attainable for residents with modest incomes.

Despite affordability advantages, rural housing in Oklahoma faces challenges such as limited access to utilities (water, sewer, electricity), internet connectivity, and healthcare services. Infrastructure deficiencies and geographic isolation can pose barriers to development and economic growth in some rural communities.

Various government programs aim to address rural housing needs in Oklahoma. The U.S. Department of Agriculture (USDA) offers home loan programs specifically for rural residents, including the Single Family Housing Direct Loan Program and the Single Family Housing Guaranteed Loan Program. These programs provide financing options with favorable terms for eligible borrowers.

Rural housing initiatives often involve community development efforts to improve infrastructure, revitalize downtown areas, and enhance quality of life. Local governments, non-profit organizations, and community development corporations may collaborate on projects such as affordable housing developments, community facilities, and infrastructure upgrades.

Agriculture is a significant part of Oklahoma’s rural economy and culture. Many rural residents are involved in farming, ranching, and agribusiness. Housing needs in agricultural communities may be influenced by factors such as farm labor housing, land use regulations, and agricultural economic trends.

Oklahoma’s rural areas are susceptible to natural disasters such as tornadoes, floods, and wildfires. Resilient housing design and disaster preparedness are essential considerations for rural homeowners and communities to mitigate risks and enhance safety.

Like many rural areas nationwide, some parts of rural Oklahoma experience outmigration as younger residents move to urban centers in search of employment and educational opportunities. Addressing housing needs and promoting economic development are key strategies to sustain rural communities and prevent population decline.

Overall, rural housing in Oklahoma plays a vital role in supporting the state’s rural communities, economies, and way of life. Efforts to address housing challenges and promote sustainable rural development are essential for ensuring the well-being of residents and the vitality of rural areas.

Oklahoma usdA Home Mortgage Loans

Oklahoma USDA Home Loans are mortgages for Oklahoma buyers purchasing homes in an Oklahoma rural area.  These loans are 100% financing zero down with low rates and no limits on seller concessions.   USDA Stands for “United States Department of Agriculture” which supervises the rural housing programs.  The Oklahoma USDA Home loan directive is to provide Oklahoma borrowers with affordable homeownership in rural communities with little out of pocket costs.

It is important to understand that the USDA offers two types of loans.  The direct where the USDA underwrites and provide the financing, reserved for very low income buyers, and the guarantee loan that protects the lenders from loss in the event of foreclosure.  In simple terms the USDA insures a portion of the loan typically in relation to a down payment.  This guarantee allows for a 100% mortgage loan making homeownership more accessible in small town Oklahoma.

The USDA Home Eligibility is determined by four factors: credit score, monthly income, monthly debt obligations and the geographic location of the property.

To find out if you meet the income requirements or if the property is eligible, please use the links to access the USDA eligibility website.  

Call today (405) 310-8850 to speak to an Oklahoma USDA Loan Officer.

Oklahoma USDA Mortgage Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Guaranteed by US Depart of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • New Manufactured Home Only

Oklahoma USDA Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Why Oklahoma Rural Buyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Oklahoma Mortgage Company Reviews

Oklahoma Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Rebecca Solomon

Sr Loan Officer
NMLS #156188
Oklahoma Home Mortgage Programs

Oklahoma Home Purchase loans

Looking to Purchase an Oklahoma Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Oklahoma Renovation Home Loans

Looking to Rehab an Oklahoma Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Oklahoma FHA Home loans

Great 1st Time Oklahoma Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Oklahoma va Home Loans

100% Financing for Oklahoma Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Oklahoma Conventional Home loans

Flexibility for Oklahoma Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Oklahoma Jumbo Home Loans

Oklahoma Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Oklahoma USDA Home loans

Oklahoma 100% Rural Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Oklahoma Native american Home Loans

Oklahoma Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Oklahoma Manufactured Home loans

Great Oklahoma Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Oklahoma Reverse Mortgage Loans

Your Oklahoma Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Oklahoma Non QM Home loans

Making Oklahoma Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Oklahoma One Time Close Home Loans

Build Your Oklahoma Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Oklahoma Refinance Mortgage loans

Oklahoma Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Oklahoma Cashout Mortgage Loans

Oklahoma Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Oklahoma Cities

Oklahoma City Home Loans

Tulsa Home Loans

Norman Home Loans

Broken Arrow Home Loans

Edmond Home Loans

Lawton Home Loans

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