Helping Oklahoma Homebuyers Make Confident Mortgage Decisions
Tulsa Mortgages is a locally based mortgage company committed to providing clear guidance, competitive loan options, and a smooth, transparent lending experience for homebuyers across Oklahoma.
A Mortgage Process Built on Clarity, Speed & Trust
Tulsa Mortgages was built to fix what’s broken in the traditional mortgage process. Too many homebuyers face confusion, unexpected costs, or delays late in the transaction.
As an independent mortgage company, Tulsa Mortgages works with multiple lenders to structure smarter loan solutions, pivot quickly when needed, and protect clients from last-minute surprises.
Every recommendation is guided by one simple goal: lower total loan costs and a smoother path to closing.
Licensed. Regulated.
Always Transparent.
Mortgage decisions require expertise and accountability. Tulsa Mortgages operates under strict state and federal guidelines, ensuring every recommendation is compliant, ethical, and aligned with your best interests.
NMLS Licensed
Federally registered through the Nationwide Multistate Licensing System with ongoing education, audits, and compliance oversight.
Oklahoma Regulated
Authorized to originate mortgage loans in Oklahoma and subject to state regulations and consumer protection laws.
Independent Mortgage Company
Not tied to any single bank, allowing access to multiple lenders and unbiased loan recommendations.
Consumer-First Process
Every loan is structured to reduce total cost, eliminate surprises, and provide clarity from application through closing.
Mortgage Solutions
Built Around Your Situation
Every borrower’s financial picture is different. John Regur specializes in structuring mortgage solutions that align with your goals, not one-size-fits-all lending.
First-Time Homebuyers
Clear guidance, low down payment options, and education throughout every step of the buying process.
FHA, VA & USDA Loans
Flexible government-backed programs including zero-down options for qualified buyers.
Conventional & Jumbo
Competitive pricing for standard and high-value homes, including jumbo and super jumbo loans.
Manufactured Homes
Purchase and refinance solutions tailored specifically to manufactured housing guidelines.
Physician Programs
Specialized loan programs designed for doctors and medical professionals.
Refinance & Strategy
Rate reductions, cash-out options, and long-term cost analysis to improve your financial position.
Common Mortgage Questions
Answered Clearly
Below are answers to the most common questions homebuyers ask during the mortgage process. If you need clarity on your specific situation, John is happy to help.
Are condos harder to finance?
Condos are not harder to finance — just different. Work with a seasoned condo specialist and condo financing can be one of the easiest loan types available.
Can the home seller help me with my down payment?
No. The home seller cannot contribute to a buyer’s down payment. However, FHA allows down payment funds from approved gift sources such as family members, employers, nonprofits, or government agencies.
Can the home seller help me with closing costs?
Yes. Seller contributions toward closing costs are allowed but capped depending on loan type and occupancy. Limits typically range from 3% to 9% for conventional loans, up to 6% for FHA, no limit for VA, and USDA allows financing up to 100% of appraised value.
Do I have to include taxes and insurance in my monthly payment?
If you have at least 20% equity, you may choose to waive escrows. However, this adds risk and usually comes with a slight pricing adjustment.
What financing options allow zero down payment?
VA loans for veterans and USDA Rural Development loans currently allow zero down payment. Some down payment assistance programs may also be available depending on eligibility.
Can I buy an as-is, auction, or bank-owned property?
If a property cannot pass inspection, most loan programs will not allow financing. FHA 203k may be an option if there is no structural damage. Contact John for details.
Is FHA only for first-time homebuyers?
No. FHA offers programs for remodelers (203k), seniors (Reverse Mortgages), and energy-efficient improvements. FHA is one of many flexible financing options.
Should I choose FHA or conventional financing?
This depends on your credit score, down payment, and long-term goals. Comparing multiple loan scenarios with a fee analysis report helps determine the best option.
What costs are paid up front vs. at closing?
Upfront costs typically include earnest money, appraisal, and inspections. Remaining closing costs are paid at the closing table, unless negotiated with the seller.
How much money do I need to buy a house?
Down payment requirements vary by loan type. FHA requires as little as 3.5%, conventional loans can be as low as 3%, and VA or USDA may allow 100% financing.
Can home improvements be included in my loan?
Sometimes. FHA 203k loans allow improvements to be rolled into the mortgage, provided there is no structural damage and contractor bids are obtained.
Should I choose a 15-year or 30-year mortgage?
If you can comfortably afford it, a 15-year loan saves significant interest over time. A 30-year loan offers lower monthly payments.
How much time can extra payments shave off my loan?
Making one extra payment per year toward principal can shorten your loan by an average of 7 years and reduce interest substantially.
Should I lower credit card balances or close unused accounts?
Keep balances under 30% of limits and avoid closing accounts during the mortgage process. Small balances that show usage can actually improve credit scores.
Ready to Get Started on Your Mortgage?
Speak directly with a trusted Tulsa mortgage professional. Get a free credit score analysis, loan options review, and expert guidance — no obligation.