Buying your first home in Tulsa
You may need less money down than you think. Stella explains your options in plain terms, gets you pre-approved, and stays with you until you have the keys.
Call any time. An automated assistant answers day and night, takes your details and books a callback with Stella.
Low down payment options
- Conventional loans from 3% down for first-time buyers, usually with a score around 620 or higher
- FHA loans from 3.5% down with a score of 580 or higher, and more flexible about past credit problems
- VA and USDA loans with no down payment, if you are eligible
- Down payment assistance. Grants, forgivable loans and deferred second mortgages can help qualifying buyers
How it works
- Talk to Stella. A short call about your income, savings and goals. No credit pull yet
- Get pre-approved. She reviews your documents and gives you a letter to shop with
- Make an offer. Sellers take an offer more seriously with a pre-approval behind it
- Close. Appraisal, underwriting, and the keys
What you will need
Photo ID, two recent pay stubs, two months of bank statements, and two years of W-2s or tax returns. The one-minute check shows which programs fit before you gather anything.
Common questions
How much do I need saved?
Does checking my options hurt my credit?
Talk it through with Stella
Send her a short note or call (918) 395-9200. No credit check until you say so.
Programs are subject to eligibility, underwriting and lender guidelines; not all applicants will qualify. Nothing on this page is a commitment to lend or a rate quote. Raystar Mortgage Group Inc, NMLS 305952. Stella Courtney, NMLS 307689. Equal Housing Lender.