The Best Mortgage Lenders in Kellyville, OK
Compare verified mortgage lenders serving Kellyville, Oklahoma. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kellyville
Featured Mortgage Lenders
Gateway Mortgage Group
Gateway Mortgage Group (now part of Homepoint)
Gateway Mortgage Group is a top-rated lender based in Tulsa with a strong local presence serving Kellyville and the broader Oklahoma area. Founded in 2000, it has built a reputation for competitive rates, exceptional customer service, and a wide range of loan options. With hundreds of positive reviews highlighting smooth processes and knowledgeable staff, it is a trusted choice for homebuyers seeking reliability and personalized support. Its long-standing community involvement and adherence to strict licensing standards further solidify its status as a leading mortgage provider.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage is highly regarded for its extensive experience and customer-centric approach, serving Kellyville through its Tulsa office. Established in 2003, it boasts a 4.8-star rating from numerous reviews praising its efficient loan processing, transparent communication, and competitive rates. The company specializes in various loan types, including first-time homebuyer programs, and is known for its strong local presence and commitment to community education on home financing. Its reliability and high satisfaction rates make it a preferred lender in the region.
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New American Funding
New American Funding
New American Funding is a nationally recognized lender with a strong track record of serving Oklahoma communities like Kellyville through its online platform and local agents. Founded in 2003, it has earned a 4.6-star rating for its innovative technology, diverse loan products, and emphasis on minority and first-time homebuyer support. Reviews frequently highlight its responsive customer service, competitive rates, and efficient closing processes. As a leader in the mortgage industry, it combines national resources with localized care to deliver exceptional home financing solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Kellyville, OK
What are the typical down payment requirements for homes in Kellyville, OK, given its rural character?
For most conventional loans in Kellyville, a 5-10% down payment is common, but many local lenders are familiar with USDA Rural Development loans, which offer 0% down payment options for eligible borrowers and properties. This is a significant advantage in Kellyville, as much of the area qualifies for USDA financing, making homeownership more accessible.
Are there any local or state-specific first-time homebuyer programs that are particularly useful in Kellyville?
Yes, the Oklahoma Housing Finance Agency (OHFA) offers several programs, including down payment assistance and competitive interest rates, which are widely accessible to Kellyville residents. Working with a lender experienced in OHFA programs is key, as they can help navigate the income and purchase price limits which are favorable for the Kellyville market.
How does the lack of a large city tax base in Kellyville affect property taxes and mortgage calculations?
Property taxes in Creek County, where Kellyville is located, are generally moderate. The annual tax rate is typically around 0.75% to 1.1% of the assessed value. When calculating your mortgage payment, lenders will use this rate to estimate your escrow, which is often lower than in major Oklahoma metros, potentially improving your debt-to-income ratio.
What should I know about getting a mortgage for a property with land or acreage in the Kellyville area?
Financing properties with significant acreage (often over 10 acres) can require a specialized "rural" or "non-conforming" loan, as they may not meet standard Fannie Mae guidelines. Local lenders and community banks with portfolio loan programs are often the best resource for these properties, as they understand the local land values and underwriting nuances.
How do mortgage interest rates in Kellyville compare to the national or state average?
Mortgage rates in Kellyville are generally aligned with national averages, as they are set by broader financial markets. However, your specific rate will depend heavily on your credit profile and loan type. Utilizing an OHFA program or a USDA loan can sometimes secure a below-market rate, providing a distinct advantage for qualified buyers in the area.
Why Choose a Mortgage Lender in Kellyville?
Local Market Knowledge
Lenders who understand Kellyville's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Oklahoma.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Kellyville and get competitive rates on your home loan.