Oklahoma Va Mortgage Lender
Welcome to Capital Home Mortgage Oklahoma, where we strive to provide Oklahoma Veteran homebuyers and homeowners Oklahoma VA Home Loans at competitive Oklahoma VA Mortgages Rates with low fees while ensuring outstanding customer service.
First, we’d like to thank you for your service and we are honored that you have given us the opportunity to earn your business. We understand that purchasing a home with your Oklahoma VA Home Loan is an important decision. Whether you have used your VA entitlement before or this is your first time we will walk you through the VA loan process from beginning to end.
Capital Home Mortgage Oklahoma offers dedicated VA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing. After all, buying a home with your VA Benefit should be exciting, you have earned it.
Capital Home Mortgage Oklahoma is an Oklahoma VA Mortgage Lender that manages the entire lending process. Our in-house processing and underwriting enables for quick, common sense approvals and timely closings. As a direct VA endorser we have complete control over everything from the application to the funding.
Call today (405) 310-8850 to talk to one of our Oklahoma VA Loan Officers.
Oklahoma Miltary Presence
Oklahoma has a significant military presence, both in terms of active-duty military installations and National Guard units. Here are some key aspects of Oklahoma’s military presence:
Tinker Air Force Base: Located near Oklahoma City, Tinker AFB is one of the largest and most important military installations in Oklahoma. It is home to the Air Force Sustainment Center, which provides depot maintenance, supply chain management, and installation support for a wide range of aircraft, including bombers, tankers, and reconnaissance planes.
Fort Sill: Situated near Lawton in southwest Oklahoma, Fort Sill is a U.S. Army installation primarily focused on artillery training and missile defense. It serves as the home of the Field Artillery School, where soldiers receive training in various artillery systems.
McAlester Army Ammunition Plant: Located in McAlester, Oklahoma, this facility is one of the U.S. Army’s primary centers for the storage, demilitarization, and production of conventional ammunition. It plays a crucial role in supporting military operations worldwide.
Oklahoma National Guard: The Oklahoma National Guard consists of both Army and Air National Guard units. These units are responsible for supporting both state and federal missions, including disaster relief, homeland security, and overseas deployments.
Reserve Units: Oklahoma is also home to various reserve units of the Army, Navy, Air Force, and Marine Corps. These units provide part-time military service to augment the active-duty forces during times of need.
Veteran Population: Oklahoma has a significant population of military veterans. The state is home to many veterans’ organizations, support services, and facilities dedicated to serving the needs of former service members.
Military Impact on the Economy: The military presence in Oklahoma contributes significantly to the state’s economy through job creation, defense contracts, and spending by military personnel and their families. Tinker AFB and Fort Sill, in particular, have a substantial economic impact on their surrounding communities.
Overall, Oklahoma’s military presence plays a vital role in national defense, training, and readiness while also contributing to the state’s economy and community fabric.
What is an Oklahoma Va Home Loan?
Oklahoma VA Home Loans are for active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses.
VA stands for “Veterans Administration”, which oversees all Veteran benefits including home loans. Established in 1944 and part of the GI Bill or Rights. VA set out to help men and women who served their country catch up to their civilian counterparts by establishing credit and building financial wealth.
It’s important to understand that VA does not lend money, VA instead provides lenders a guarantee that covers the lender from loss in the event of foreclosures.
In simple terms VA insures a portion of the loan that the buyer would have normally had to put down to qualify allowing for a zero down payment. VA loans require an upfront mortgage insurance fee, which can be financed into the loan, from each borrower. This fee supports the guarantee fund and makes the 100% VA home loan possible. Veterans with a minimum of 10% disability are exempt from the funding fee.
Oklahoma does offer specific options for Oklahoma Veterans in the form of reduces property taxes according to the amount of disability the Veteran has including up to 100% elimination of property taxes for those veterans that are 100% disabled.
Oklahoma VA Eligibility
The Oklahoma VA Home Loan can be used for a home purchase, a streamline interest rate reduction refinance, or a cash-out refinance or mortgage conversion from another type of mortgage to a VA mortgage. To be eligible you must meet one of the following criteria.
- Active Duty – 90 days Wartime / 180 Days Peacetime
- Honorable Discharged – 22 Months of Completed Service
- National Guard / Reserves – 6 Years Completed Service
- Spouse of a Service Member who Died in the line of Duty or Service related Disability
Oklahoma VA Purchase Loan
Capital Home Mortgage Oklahoma is proud to serve Oklahoma Veterans in obtaining home ownership in Oklahoma. The benefits of a Oklahoma VA Home Loan Purchase are many. Contact one of our Oklahoma VA Loan Officer to discuss all the benefits and options. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership.
- Simply Qualifying for Veterans
- No Down Payments Requirements
- Lower Credit Scores Accepted
- Manual Underwriting Allowed
- No Monthly Mortgage Insurance
- Seller concessions to 4%
- higher debt to income Allowed
- Manufactured homes permitted
Oklahoma VA "IRRRL" StreamLine REfinance Loan
Capital Home Mortgage Oklahoma is proud to serve Oklahomans Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan. Contact our Oklahoma VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- VA IRRRL Rate & Term
- Streamline Option
- No Appraisal Required
- No Income Verification
Oklahoma VA Refinance Cash Out Conversion Loan
Capital Home Mortgage Oklahoma is proud to serve Oklahomans Veterans in converting their current mortgage program over to an Oklahoma VA Home Mortgage and enjoy the many benefits of a VA home loan. Contact our Oklahoma VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- Cash-Out or Loan Conversion
- Full Documentation
- Appraisal Required
- Income Verification Required
Oklahoma Va 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 veterans 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
Oklahoma Home Mortgage Programs
Oklahoma Home Purchase loans
Looking to Purchase an Oklahoma Home?
- 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?
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Oklahoma Cashout Mortgage Loans
Oklahoma Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
