ÿþ<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> <html> <head> <title>100% Home Financing Mortgage Programs - Oklahoma</title> <meta name="owner" content="GreaterTulsa.com/Owasso.com owner, Gilda Krantz-Smith, (918) 808-0224"> <meta name="copyright" content="Copyright 2012, by Gilda Krantz-Smith and Snowhawk"> <meta name="Description" content="100% Home Financing mortgage programs,Oklahoma,Owasso-Tulsa-Tulsa County and the entire state of Oklahoma"> <meta name="KeyWords" content="100% financing,no down payment home loans,Owasso,Tulsa,Tulsa county,rogers county,osage county,State of Oklahoma,first time home buyer programs,home financing,home mortgages,Tulsa County Bond Money,Oklahoma state bond money,Rural development conventional financing,USDA loans,government loans,no down payment home loans,Owasso homes for sale,Tulsa homes for sale,Oklahoma State Wide Bond Money,100% Financing Programs,FHA loans,financing,VA loans,Conventional Loans,Oklahoma real estate news,Tulsa real estate news,Owasso,Claremore,Collinsville,Tulsa,mortgages,Skiatook,homes for sales,Tulsa,interest rates,Owasso homes for sale,Owasso Realtors,Tulsa realtors,finance,financing,first time home buyers,Tulsa County,Bond Money,GreaterTulsa,Oklahoma"> <meta name="Classification" content="100% home mortgage financing,no down payment home loans for Owasso/Tulsa and the state of Oklahoma,first time home buyer mortgages, 100% buyer loan programs, home financing,Owasso home mortgages,government loans,no down payment home loans,Owasso homes for sale,Tulsa homes for sale,Oklahoma State Wide Bond Money,100% Financing Programs,FHA loans, financing,VA loans,Conventional Loans,Oklahoma real estate news,Tulsa real estate news,Tulsa mortgages,Skiatook homes for sales,Tulsa interest rates,Owasso homes for sale,Owasso Realtors,Tulsa real estate,Oklahoma 100% home loan financing"> <meta name="rating" content="general, kids safe"> <meta name="Author" content="snowhawk and Gilda Krantz-Smith"> <meta http-equiv="content-language" content="en-us"> <meta http-equiv="window-target" content="_top"> <meta http-equiv="content-type" content="text/html; charset=iso-8859-1"> <style type="text/css"> <!-- p { font-family: Arial, Helvetica, sans-serif; font-size: 100%; margin-left: 20px; margin-right: 10px; } h1 { font-family: Arial, Helvetica, sans-serif;color: #990000; background-color: transparent; } h2 { font-family: Arial, Helvetica, sans-serif; } body { font-family: Arial, Helvetica, sans-serif; font-size: 100%; font-weight: bold; margin-top: 2px; margin-left: 20px; margin-right: 20px; } a:active { font-weight: bold; color: #ffffff; background-color: #006600; } --></style></head> <body bgcolor="#ffeedd" text="#000000" link="#0000cc" vlink="#0000bb" background="../backgrounds/farmbg.jpg"> <h2 align="center"><font color="#990000">100% Home Financing Loan Programs<br> for Tulsa County and the entire State of Oklahoma</font><br> <font size="-1">Brought to you by<br> Gilda Krantz-Smith, Realtor/Consultant (918)808-0224<br> Chinowth & Cohen Realtors</font><br> <br><img src="http://greatertulsa.com/images/gilda155x174black.jpg" width="100" height="106" border="0" alt="Hi! Welcome to the world of Real Estate Financing by Gilda Krantz-Smith."></a></h2> <br><center><table border="1" cellpadding="20" cellspacing="0" width="70%"> <tr><td align="left" width="100%" bgcolor="#eefbff"> <ol> <li><font size="+1"><a name="statebond$">The OHFA (Ok Housing Finance Agency - www.ohfa.org) Advantage program offers State bond money. Designed for moderate income individuals and families.<br> OHFA Advantage offers home loans through lenders all across Oklahoma. Now Available for a limited time to first come first serve (qualified applicants).<br> <br>Three products are available for eligible homebuyers to purchase any new or existing home: 1st Gold (most homebuyers), OHFA Shield (Police Officers & Fire Fighters) and OHFA 4Teachers (Educators).</a></font><br> <br>OHFA 1st Gold Rate 4.375% (2012 program- subject to change)<br> Down Payment Assistance = 3.5% of total loan amount<br> Maximum purchase price = $189,607<br> Loan types allowed: FHA, VA, RD and HUD 184<br> Property eligibility---entire state of Oklahoma<br> Buyer must have a minimum of 620 credit score.<br> Seller can pay up to 6% of buyers closing costs/prepaid items for FHA.<br> This is for first time buyers or those that have not owned a home in 3 years and do not exceed income limits of $59,600 for 1-2 person total household gross income and $68,540 for 3 or more person household<br> The assistance is a grant for 3.5% down based off total loan amt.<br> Homebuyers must meet income, purchase price and credit score guidelines.<br><br> <li><font size="+1">Tulsa County Bond Money ( Please Note: At this time there is no more of the bond money assistance available. If you would like me to notify you when the next issue comes out please call Gilda 918-808-0224 or send me an email to <br><a href="mailto:gilda@greatertulsa.com">Gilda@GreaterTulsa.com</a><br></font><br> Rate: TBA (To be Announced), Down Payment Assistance-3.0% of the sales price<br> Loan types allowed: FHA and VA<br> Property eligibility---Tulsa County; buyer must have a minimum of 620 credit score<br> Seller can additionally assist in paying closing costs, making it very affordable to purchase a home.<br> No repayment is ever required for Tulsa County Bond 3% down payment assistance. No second mortgage is filed.<br> This is for first time home buyers, or if you have not owned a home in 3 years, and do not exceed income limits (maximum annual income cannot exceed $TBA .)<br><br> <li><font size="+1">Rural Development USDA (United States Dept. of Agriculture) Financing</font><br> for qualifying areas outside of Tulsa city limits<br> <br> *No Cash Reserve Requirements<br> *102% of Appraised Value to Cover Closing Costs<br> *No Cap on mortgage amount other than the Appraisal (plus USDA-RD Fee)<br> *6% Seller Concessions Allowed to cover closings costs<br> *Gifts allowed and DO NOT NEED to come from relative<br> *30 year fixed and no prepayment penalty<br> *All Closing Costs can be included in the loan<br> *Try USDA-RD BEFORE FHA because require NO DOWN PAYMENT<br> *Standard Site Built Homes. No MFH, Modular, Log, etc.<br> *First Time Home Buyers Allowed or Non-Home owners or those that just sold a home (under contract) and are purchasing again<br> *Minimum credit score of only 620-640 on borrowers<br> *No Declining Markets, all available at 100% LTV<br> *<a href="http://eligibility.sc.egov.usda.gov" target="_blank">http://eligibility.sc.egov.usda.gov</a><br><br> <li><font size="+1">Veteran Loans (VA)</font><br> This 100% no down payment home loan is for anyone who has served, or is now serving in our Military. Your funding fee may be waived if you have a documented disability. If you can negotiate the seller to pay your closing costs you can move in with very low cash requirement. Income limits do not apply and you do not have to be a first time buyer. Must meet credit requirements.<br><br> <br> <li><font size="+1">OK REI Program</font><br> Oklahoma REI Program (Designed to increase homeownership opportunities)</b><br> Available for any buyer that needs down payment assistance. Up to 7% can be used for down payment and closing costs. This loan program can be used in any Oklahoma county. " Designed for FHA, Rural Development, HUD 184 Indian loans, and VA loans. " REI first Mortgage rates will be established daily. Rates are based on a 45 day lock. REI will determine daily rates not the lender. " First Mortgage rate is generally based on the going rate. " Second mortgage is based on 7% of the total loan amount. " Second mortgage rate is 7.375% (*rate subject to change based on current market conditions) " Borrower may not receive cash back at closing with the exception of earnest money and prepaid expenses " For 1-2 unit properties including condominiums and PUDS. No manufactured homes. " Minimum credit score 620 " Maximum debt to income ratio 45% " Must meet household income guidelines. " Tulsa county income limits for 1-2 person family is $68,195 and for 3+ person family is $79,560 <br><br> </ol> <center><b>For more information on any of the above loans or a participating lender:<br> <br> Call, Text, or <a href="gildamail.html" target="_blank">E-mail Gilda,</a><br> <br><a href="mailto:gilda@greatertulsa.com">Gilda@GreaterTulsa.com</a><br> <br>(918) 808-0224</b><br> <br> <img src="../images/gilda140x157black.jpg" align="center" width="140" height="156" border="0" alt="Here's what my clients say about my real estate services"><br><br> <br> <font size="+1"><a href="realty/">Gilda Krantz-Smith</a></font><br> <br>Realtor&reg;/Consultant<br> Chinowth & Cohen, Realtors&reg;<br> <br>Interest Rates are at their lowest levels in history. <br>Take advantage of your buying power today!<br> <br>Get Started Today. I am Available to Assist. </center></td> </tr></table></center><br> <h4 align="center"><a href="http://www.greatertulsa.com/ohfa/" target="_blank">More Important Home Financing Updates</a><br> <br> <a href="http://www.cctulsa.com/listings/?aid=021300688" target="_blank">Search MLS "Homes For Sale" Database</a> | <a href="http://www.cctulsa.com/listings/index.php?aid=021300688&oid=021300002&temp=1186&aname=Gilda+Krantz-Smith&aimg=1&&searchtype=5&dhf=&step=&dhflogin=&state" target="_blank"> Search Homes by MLS#</a><br> <br><b><a href="http://www.owasso.com/realty#services" target="_blank">Gilda's Real Estate Services</a> <br> <!-- Owasso,Oklahoma Real Estate,100% home financing programs, Buyer agents in Owasso, Owasso homes,Owasso realtors,Owasso real estate agents,Search mls Owasso homes for sale,Collinsville house for sale,Collinsville homes for sale,land | lots | property for sale,Collinsville real estate,MLS,buying,selling,Tulsa County,Rogers County,custom built home,new house for sale,homes,relocate/buy/sell/house,Collinsville Oklahoma,Oklahoma,www.gildakrantz.com //--> <br><a href="http://www.owasso.com/realty/clientcomm.html" target="_blank">Gilda's Past Buyer Client Testimonials (40+ Reviews)</a><br> <br><b>Inspect your home before you buy or sell<br> visit <a href="http://www.greatertulsa.com/dcs">DCS HOME INSPECTIONS</a></b><br> <br> <br><a href="../realestate/rates.html" target="_blank">Current Mortgage Interest Rates</a> <img border="0" src="../images/redstar.jpg" width="8" height="8" alt="Owasso house for sale, Collinsville Okla house for sale, Owasso homes for sale, Owasso real estate agent, Owasso realtor">&nbsp; <!-- Owasso homes,Owasso realtors,Owasso, Oklahoma real estate agents,Owasso realty,Owasso houses for sale,Owasso lots,Collinsville houses for sale,Collinsville homes for sale,Collinsville land for sale,Collinsville real estate,Collinsville houses for sale,Owasso real estate,Owasso homes for sale,Owasso dream homes,Gilda Krantz-Smith,Greater Tulsa Oklahoma houses,buying,selling,Greater Tulsa Oklahoma Real Estate agent,Owasso realtor,Skiatook Oologah Sperry Collinsville real estate,Tulsa County homes for sale,Rogers County homes for sale,Osage County homes for sale,Owasso homes,Owasso realtors, Owasso Realtor, house plans houseplans,houses,construction, building custom property for sale in Owasso,Owasso loans mortgage help,lots houses for sale,Collinsville homes for sale,Collinsville houses for sale,Collinsville real estate,Collinsville homes,relocate buy sell, www.gildakrantz.com //--> <a href="calculator.htm" target="_blank">Mortgage Payment Calculator</a><b/></font><br> </h4> <p align="center"><a href="http://www.greatertulsa.com/"><img border="0" src="images/gtsmb.gif" width="155" height="56" alt="GreaterTulsa.com"></a><br> <br><a href="http://www.greatertulsa.com" target="_blank">Visit our Communities of Tulsa/GreaterTulsa</a><br> <br><br> <b><font size="-1">Copyright 2012 by <a href="http://www.owasso.com/realty/">Gilda Krantz-Smith</a> - All rights reserved<br> <br> <a href="commentform.html" target="_blank">Comments</a> | <a href="disclaimer.html" target="_blank">Disclaimer</a><br> <br> Web Design copyright 2012 by <a href="http://www.snowhawk.com/" target="_blank">snowhawk</a><br> <blockquote><blockquote><b><font size="-1">Mortgage rates, interest rates and all real estate information is deemed to be from reliable sources, but is not guaranteed, and is subject to change without notice. Contact Gilda: <a href="mailto:gilda@greatertulsa.com">gilda@greatertulsa.com</a>, 918-808-0224, to verify current, accurate real estate information.</font></b> <br><br> 100% Home financing programs for first time buyers or those that have not owned a home in 3 years, or those that have served in the U.S. military. Call your real estate agent or lender today for more information.<br><br> <br> <script type="text/javascript" language="Javascript"> <!-- // comment out code to protect older browsers if (Date.parse(document.lastModified) != 0) document.write("Last edit: " + document.lastModified + " "); // --> </script></font></b></p></blockquote> </body> </html>