Your first home
Some programs start at 3% down, and down payment assistance can help first-time buyers. Stella checks which mix lowers your payment.
Ask about a first home Read the first-time buyer guide
Mortgage broker · Tulsa, Oklahoma
A mortgage broker who knows your name, not just your score.
Stella Courtney takes your application to the lenders that fit it, then stays your one contact until you have the keys. Buying, refinancing, or told no somewhere else: tell her what you need and she calls you back.
Not sure you can qualify? Take the one-minute check
Call any time. An automated assistant answers day and night, takes your details and books a callback with Stella.
★★★★★ 5.0 from 16 Google reviews
Company NMLS 305952
Stella Courtney NMLS 307689
Equal Housing Lender
What she helps with
Where a broker makes the difference
Pick the one that sounds like you. Each button opens the form already set up for it, and each guide explains the loan in plain terms.
Told no somewhere else?
Bring the letter. Different lenders have different rules. Stella will look at why you were told no and what may still be possible.
Ask for a second lookVeterans and service members
VA loans can mean no down payment and no monthly mortgage insurance, if you qualify. She can help pull your certificate.
Ask about a VA loan Read about VA loansSelf-employed or 1099
No W-2? Bank-statement and profit-and-loss programs read your income the way your business actually earns it.
Ask about self-employed loans Read about self-employed loansA place outside town
Plenty of addresses just outside Tulsa count as rural for USDA loans, which can mean nothing down. Worth checking the address.
Ask about an address Read about USDA loansRefinance or cash out
Lower the payment, change the term, or use your equity. The break-even calculator shows whether it is worth it first.
Ask about refinancing Read about refinancingEvery program Raystar offers
Not sure where you fit? Ask about any of these.
- Purchase loans
- Refinance and cash-out
- FHA and VA Streamline refinance
- Conventional
- FHA
- VA
- USDA
- Jumbo
- Down payment assistance
- New construction, one-time close
- Bank statement and 1099 loans
- Non-QM
- DSCR loans for investors
- Bridge loans
- Foreign national loans
- Reverse mortgages
- Commercial loans
Meet your broker
Stella Courtney
Senior Loan Officer, Raystar Mortgage Group Inc
“We are committed to quality customer service — putting the people we serve first.”
Raystar is an independent mortgage brokerage in Tulsa. Stella works with buyers and homeowners across Oklahoma, and she reads every file herself.
Loan officerNMLS 307689
CompanyRaystar Mortgage Group Inc, NMLS 305952
Phone, any time(918) 395-9200
Office918-299-6650
Fax918-299-6191
Office address7542 Oakfield Ave, Tulsa, OK 74131
Reviews
What clients wrote on Google
Quoted word for word from Raystar's Google listing: 5.0 stars from 16 reviews. “…” marks where a longer review was shortened.
★★★★★“Neither of us knew what to really expect as we have never bought one. … when most lenders would have seen no way through and most likely would have given up Stella Courtney did not! She kept pushing for us in every way, every push back she went even harder for us!”
★★★★★“She is incredibly responsive, stays on top of every detail, and makes the entire lending process feel seamless. One of the things we appreciate most is the wide range of lenders and investors she works with …”
★★★★★“Without a doubt, Stella Courtney is the best. She is diligent, honest, and delivers on every promise. Stella took a bad situation and made it a joy.”
★★★★★“This is the second time Stella helps our family buy a home and I cannot recommend her enough!! From the moment you start the process to signing on your home, Stella is ALL IN.”
★★★★★“Don’t waste your time going to big mortgage places … if you’re not the cookie cutter type of customer. Raystar is the best.”
★★★★★“Stella worked hard to get my mortgage refinanced. I am very happy with her. this is the second time I used her; I WILL use her again”
Can I get a mortgage?
Check where you stand in about a minute
Answer seven questions and see which loan programs usually fit a situation like yours, and how much room your budget has for a house payment. No credit check, and nothing is sent unless you choose to send it.
Your snapshot
Debts take 0% of your incomeComfortable
0%36%43%60%+
Room for a house payment$0a month, at the common 43% guideline
Your savings cover$0home price at 3.5% down. Your monthly budget sets the real limit.
Programs worth asking Stella about
A guide, not a pre-approval or an offer of credit. Each lender sets its own minimums, and Stella confirms what fits once she sees your file.
What happens next
From first call to closing, one person
1
You reach out
Send the form, call (918) 395-9200, or ask a question here. Two minutes is enough.
2
Stella calls you back
A real conversation about what you want and what you have. No credit pull yet.
3
She shops your file
She matches you with the lenders that fit, then gives you a pre-approval you can shop with.
4
You close
Same person from start to finish, and still your broker for the next house.
Calculators
Check the numbers yourself
Your monthly payment, all in. It runs in this page, nothing is sent anywhere, and no figure here is a quote. Affordability, refinance break-even and amortization are on the calculators page.
Tax rate, insurance premium and the mortgage-insurance factor are example defaults. Oklahoma insurance runs high on hail and wind, so a real quote for a real roof moves this more than people expect.
Estimated monthly payment, all in
Waiting for the rate you were quoted
Principal and interest—
Property tax—
Homeowners insurance—
Mortgage insurance—
HOA dues—
Loan amount—
Cash down—
Why a broker
A bank has one shelf. Stella has many.
1
Person, start to finish
Stella handles your file herself. No call center, no file passed between departments.
Many
Lenders to choose from
When your income or credit is not simple, the lender's rules matter more than anything else.
0
Rates guessed online
Your rate depends on your file. Stella quotes from your real numbers, not a headline.
Questions
Before you call
Can I apply online?
You can start here. The form at the top takes about a minute, and Stella reads it and calls you back herself. The full application comes later, once you and she agree on a plan.
Who answers when I call?
An automated assistant answers (918) 395-9200 day and night. It takes your name, your number and what you need, and books a time for Stella to call you back. It cannot see your credit, quote a rate or decide anything. Every callback is Stella herself.
Broker or big lender — what is the difference?
A lender sells you its own loans. A broker shops many lenders and picks the one that fits you. That matters most when your money is not simple.
Why no rates on here?
Because a rate on a web page is not a real offer. Yours depends on your credit, your home and the day. Got a rate from someone else? Type it in above and see what it really costs.
How much can I afford?
It starts with your income and your bills — not the house price. Try the affordability calculator.
Is my information safe?
It is encrypted on the way and in storage. Stella and the lender on your loan see it. The company that runs Raystar's customer records stores it for her and uses it for nothing else. It is never sold, and no credit is pulled until you say yes.
What paperwork will I need?
Usually photo ID, two recent pay stubs, two months of bank statements, and two years of W-2s or tax returns. If you are self-employed, bank statements or business returns can take the place of W-2s. You do not need any of it to send an estimate.
Does a low credit score mean no?
Not always. A lower score narrows the options, and some programs accept scores in the 500s with a larger down payment. Stella looks at the whole report, not just the number, and looks for a lender whose rules fit.
How long does it take?
It depends on the house and the paperwork. Stella gives you a real date once she sees your file. Anyone promising a number before that is guessing.
Where do you lend?
All of Oklahoma. Tulsa, Broken Arrow, Jenks, Bixby, Owasso, Sand Springs, Sapulpa, Glenpool, Catoosa, Claremore — and the country in between.
Your information, and the small print
Plain answers first. The legal wording is underneath.
Encrypted on the wayEvery form on this site is sent over a secure connection.
Encrypted in storageYour details are stored encrypted.
Who sees itStella, and the lender on your loan. Her records system stores it and does nothing else with it.
Never soldNot sold, not rented, never given to advertisers.
No credit check yetNot until you say yes.
Changed your mind?Ask us to delete your file and we delete it.
Documents can waitYou need none to start. When it is time, Stella tells you how to send them securely.
Watch out for wire scamsWe never email you new wire details. Phone the title company on a number you looked up.
The assistantIt answers questions. It cannot see your credit and cannot decide anything.
Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Raystar Mortgage Group Inc, company NMLS 305952. Stella Courtney, loan officer NMLS 307689. Licensed in the State of Oklahoma, license MB001613. Both numbers are verifiable on the NMLS Consumer Access register. Equal Housing Lender.
Nothing on this page is a commitment to lend, an offer of credit, or a rate quote. No interest rate is published or implied anywhere on this site. All figures shown by the calculators are illustrations computed in your own browser from numbers you entered, and they are not a pre-approval. Loan approval is subject to underwriting, appraisal, and program guidelines; not all applicants will qualify. Loan terms, the borrower and the property must meet applicable investor and program requirements.
Refinancing may increase the total charges over the life of the loan even where it reduces the monthly payment. Mortgage insurance estimates shown by the payment calculator use an example factor and are not a quote from any mortgage insurer. Property tax and homeowners insurance figures are estimates you can change; the defaults are examples and not specific to any property. Raystar Mortgage Group is not endorsed by or sponsored by the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture, the Federal Housing Administration, the Oklahoma Housing Finance Agency or any other government agency.
Google rating and review count were accurate at the time this page was written and are subject to change. Reviewer quotations are reproduced from the public Google listing.