Tag Archives: Home Loan

09.18.13
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Buying a Home? Using a Mortgage Calculator can be very helpful!

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If you are thinking about selling, buying or possibly refinancing your home, you have probably been doing a little research into current home mortgage rates. While finding the best rate is extremely important it is also just as important to make sure the monthly payment fits into your price range. Mortgage rates vary based on loan programs, down payments & credit scores. But there is great tool that is available to borrowers to help them get an idea of what there future payments would look like before they start applying for mortgages. 

Here is a brief description of how mortgage calculators work: 

A mortgage calculator is a simple way to determine how much the monthly payments would be, thereby providing a base leading to the fulfillment of dreams. However, there is a word of caution here. Mortgage calculators follow the standard ratio of total debt to income; which means that debt can be taken only up to 32 percent of the income. Lenders like ZFG Mortgage allow borrowers to go up to 55% total debt to income on some of there products, so it is always important to check with the your lender after you use a mortgage calculator on there max debt to income ratio guidelines.

Also, there are a variety of mortgage calculators available. Basic mortgage calculators determine how much your payment will be. In such calculators, a number is received by inputting the amount of the loan, the term and the interest rate. Mortgage calculators can also calculate how much you can afford for a home. In return for supplying data of your income and any other additional payments that you may have to incur, the mortgage calculator helps you ascertain the amount of money you need to take out. However, this type of mortgage calculator does not take into account the amount of down payment that is being made. Mortgage calculators of higher utility take into consideration the amount of earning needed, and allows the input of all that information in addition to the amount of savings being made for the down payment.

Best of all many mortgage websites offer potential borrowers to use there mortgage calculator tools for FREE!. One excellent online resource is http://www.zfgmortgage.com Their website has an electronic mortgage calculator that not only gives you an estimation of your monthly payment based on current mortgage rates and loan amounts, but offers a total of six different ways to make this determination. Based on how you would like to pay your loan, you can calculate what the payment will be based on points, percentage rates and length of the loan. You can alter any of those numbers to get different estimations and ultimately, a really good idea of what to expect in terms of financing options. By utilizing the Monthly Payment calculator, you can enter information about your property such as value, taxes and insurance requirements to receive an even more accurate estimation of what your payment might be.

Take advantage of mortgage calculators. They are a free and easy way to get a good idea of what you can expect to pay for your new home or business property. Getting this information in advance might be one way to cut down on the stress of trying to figure out the best way to finance, and give you a little peace of mind knowing, up front, what you can or cannot afford to pay.

 If you are interested in applying for a mortgage or using one of our many mortgage calculators, log onto our website calculators page below:

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 http://www.zfgmortgage.com/calculators.php

08.13.13
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Mortgage Rates RISE Dramatically after today’s retail sales data report!

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According to & article today on mortgage news daily:
Mortgage rates were abruptly higher today, moving back toward the highs of the month and erasing most of the improvements seen since the Employment Report on August 2nd.  After an excessively calm week last week, market participants had eagerly anticipated today’s Retail Sales report as the first major dose of information since that Employment Report.  Rates were already on the move higher ahead of the data owing to bond market weakness in overnight.  While the headline numbers on the Retail Sales report weren’t as high as expected, not only was the previous reading revised higher, but the other components of the report–such as those that strip out the more volatile auto sales–were stronger than expected.  By the end of the day, the most prevalent 30yr Fixed quote (best-execution) is edging up from 4.5 to 4.625% for some lenders.

In order to understand why rates moved as much as they did today, we first need to frame Retail Sales in the context of the prospects for a reduction in the Fed’s asset purchases–aka “tapering.”  Markets and even the Fed itself are undecided as to whether tapering will start in September or later in the year.  Because the asset purchases are seen as a mathematically quantifiable reason for lower rates, the sooner the reduction in purchases occurs, the higher rates will go, all other things being equal.  This morning’s Retail Sales numbers stood as the first major piece of data to inform that debate since the Employment Report at the beginning of the month.

Quite simply, the data “wasn’t bad enough” to push out the expectations for a tapering time frame.  Combining this with the upward momentum in rates coming out of the European market hours and it was enough for a significant move higher.  Unfortunately, it wouldn’t be until Thursday that we even have a chance to get data that counteracts this “vote.”  Even then, this would require several different pieces of data having the same economically bearish suggestion.  In other words, rates aren’t likely to stampede back toward better levels unless that happens.  If the data happens to confirm today’s message from Retail Sales, rates could go even higher.

Today’s Best-Execution Rates based on the larges 40 lenders in the US!

  • 30YR FIXED – 4.5% “ZFG Mortgage 4.375%”
  • FHA/VA – 4.25% “ZFG Mortgage 4.125%”
  • 15 YEAR FIXED –  3.625%-3.75% “ZFG Mortgage 3.375%”

To check today’s mortgage rates in Oklahoma

Click Here

To Apply for a mortgage or obtain Free No cost or obligation Rate quote

Click Here

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05.14.13
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Why you’re probably not getting the best mortgage rate quote?

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A home loan is basically a product and like all products, its sales pitches can be exaggerated. The end result is that you end up with a loan that may not suit your needs at all. When shopping around for the best mortgage rate that is most suitable for you, one needs to be highly discerning with exactly what is being offered.

Short-Term Adjustable Rate

Many consumers make the common mistake of choosing a one-year adjustable rate mortgage due to the deceptively low rate being advertised. Deceptive, because, in the very next year, the rate shoots up.

It is most important that you keep in mind that it is not in the best interests of lenders to offer you a loan with the lowest possible interest rate. Typically they would prefer you to opt for the highest rate you could possibly afford. Doing so will ensure that in addition to their regular commission, mostly one percent of the loan amount, an overage of an extra one or two percent is earned for selling you a loan priced higher than the most favorable deal for you. To avoid this situation, insist on the daily rate card from your loan officer that lists the lowest rates of all his products.

Regulation Offers Some Protection

The Real Estate Settlement Procedures Act (RESPA) lays down that lenders must give an accurate estimate of closing costs at the time of submitting your application. Extra charges are in violation of the law. Nevertheless many banks often try to slip them in. Insist on a detailed list of closing costs. If you find any suspicious or unnecessary charges, you have the right to ask your loan officer for an explanation.

While it may be advisable to seek recommendations for mortgage lenders, you need to be careful if the advice comes from a real estate agent. With estate agents, it is more likely that instead of referring you to the best deal possible, they send you to the lenders who pay them a commission for doing so.

Some mortgage brokers will often mislead you with pre approvals. They lead you to believe that a pre approval practically guarantees you the mortgage. However, at the actual time of getting approved for a mortgage, these pre-approvals are of no value and may as well be wastebasket approvals.

The Government has made efforts to ensure protection for the consumers with government mandated disclosure forms. However the miniscule type combined with complex financial figures can be difficult to read or comprehend easily. Even worse, it can be use to conceal the truth just as it can reveal it. Overall, make sure that when you are selecting your quotes, you keep in mind that opting for what appears to be the cheapest quote initially, or depending completely on the recommendations of the lender are not good strategies with seeking out the right mortgage for you.

For current rates on mortgage loans in Oklahoma, Log on to the #1 rated lender in the state for the last 4 years website www.zfgmortgage.com or call

1-877-205-7266 

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04.17.13
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Will Your Bank Give You The Best Mortgage at The Lowest Mortgage Rate

 

ImageMany of us tend to form a relationship with our bank even in these times of big banks. This does not mean, however, you should look to your personal bank for a mortgage.

Will Your Bank Give You The Best Mortgage?

 

It is a common misconception for people to assume that their bank will give them the best mortgage. It is a natural thing to assume, especially since people have often been banking with the same institution for many years and they feel comfortable with them. However, the fact is that if you limit yourself to going directly to your bank and getting a mortgage from them without looking elsewhere you are most likely shooting yourself in the foot. You are restricting the possibility of other options that might be better for you and this is never a good thing.

 

There is no doubt that your own bank might give you the plan you want. There is a chance that they will give you a good offer that would be tough to beat by any considerable margin elsewhere. However, this is just a chance. You will only know if it’s anything more than a chance by actually looking elsewhere. Sure, the comfortable and trust factors weigh in, and these can be major factors since you want to trust the institution that is giving you such a large amount of money for such an important thing, but there are many other trustworthy lenders out there that may have a better offer for you. Keep in mind that your bank will probably sell your mortgage to another lender within the first year.

 

The first place to go is to other major banks and lending companies which you know of. By going to these first, you are going to major companies which are trustworthy. Most major banks offer fairly similar rates, but it is still worth it to check around. In fact, you would be crazy not to check around. You may get yourself a quarter or half a percentage point off, which might seem small but can actually turn out to saving you thousands of dollars in interest payments. These other banks might also have other incentives or better options that you will want to consider. If you own a business, they may even offer you a better deal in an attempt to pick up that business.

 

There are plenty of other lending companies you can check with, both major and minor, online and offline. It is to your benefit to check as many as possible and not settle with your own bank just because they are the first place you check. Getting a mortgage is a huge thing and it is important to get the right mortgage plan for you, and this will only be done properly if you evaluate your options.

 

 ZFG Mortgage is Oklahoma Top Rated mortgage company. We have relationships with 125 of the largest banks in the country, But we work with them on the wholesale channel.  What this means is we are able to offer our borrowers the same fixed rate mortgage they would get from there bank at the same cost but with a rate that’s .250% – .375% lower rate!

If you would like to find out your options for a Purchase or Refinance mortgage in Oklahoma, click the link below to go directly to our website. Or Call 1-877-205-7266 approved for a mortgage

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04.03.13
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3 Words Every Mortgage Holder Should Know

Image Getting a mortgage can be a very confusing process. There is a lot of paperwork to sign, documents to read and procedures to be followed. You’d think you were applying to go to Harvard or Yale, except they don’t require that much paperwork for you to be admitted! Although getting a mortgage can be a confusing process, there are three terms that every mortgage holder should know to better understand what he is she is getting into.

Going into a mortgage knowing just a few facts will help you immensely in understanding what type of commitment you are getting into.

The first term you should understand is, amazingly, the word “term”. Term refers to the length of the mortgage you are taking out – or the amount of time you are making payments.

Many mortgages run the gauntlet of between ten and thirty years. The longer the mortgage, typically the lower your monthly payment will be (and the more interest the mortgage company makes). Generally speaking, you should go for the shortest term you can comfortable afford – you’ll save potentially tens of thousands (and in some cases potentially over a hundred thousand) dollars in interest by keeping the length of the mortgage as short as you can.

Next, understand the interest rate on your mortgage and how it is calculated. The interest rate refers to the amount of interest charges you will pay for the money you are borrowing, expressed as a decimal – such as 3.2 for 3.2%. Is it fixed or adjustable? In other words, is it the same through the life of the loan or does it change at specified periods in time? Most home buyers should try and steer clear of adjustable rate mortgages even though they can look better up front. They can often reset to higher interest rates and come back to bite you if you aren’t ready for a jump in your monthly payments!

Finally, understand what closing costs are and how they are going to affect your purchase price. Often times, you are going to be responsible for coming up with these closing costs out of your own pocket. Closing costs consists of things such as appraisals done on the house, attorney fees, notary fee, deed fee – if there is a fee they can think of it usually falls under the term closing costs! Be a smart and savvy consumer, if you see a fee that you don’t understand or doesn’t seem right – speak up! Some mortgage lenders try to sneak in any fee they can think of to make a few extra dollars profit.

Understanding these three terms can help make you a more informed home buyer and help you find the mortgage that is right for you. As with any product, it is important to shop around for a mortgage when you are considering buying a house. Even a small change in the interest rate between two lenders can often to amount to thousands of dollars in savings. Don’t be afraid to comparison shop – it’s your money after all!

 For more info regarding a mortgage contact ZFG Mortgage The #1 rated mortgage lender in the Midwest. 

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Apply Online for a Free Rate Quote or Call 1-877-205-7266

WWW.ZFGMORTGAGE.COM

03.28.13
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An Overview of the Mortgage Process

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House hunting can be an exhilarating process as you try to pick that perfect property. Applying for a mortgage isn’t nearly as much fun.  

The Following is an overview of how the mortgage industry works.

An Overview of the Mortgage Process

You have a nice chunk of money saved away for a down payment. You have started shopping for a home or have found the perfect property. It is time to enter the world of financing, better known as getting a mortgage. Before entering the labyrinth, it might help to get an overview of how the mortgage process works.

A mortgage simply is a debt instrument that acts to secure a cash loan to you on a home. In exchange for giving you the money, the lender puts a first lien on the prospective home for loan amount. If you default, the lender can foreclose and sell the home to recover the debt amount.

In mortgage industry terms, applying for a mortgage is known as originating a loan. To originate the loan, you will first have to find a lender you are comfortable with. You may have a close relationship with a bank that will suffice. Many will find it advisable to use a mortgage broker to shop for the loan that best meets their needs. Different lenders offer different loans and terms.

As part of the origination process, you will fill out a lengthy loan application. Depending on the nature of the loan, you probably will also be required to submit documentation supporting your claims of income and so on. There are no document or partial document loan applications, but most people don’t qualify for them. Once your application is submitted, a lender inevitably will ask for more information or documentation. Depending on how the review, known as underwriting, goes, the lender may decline or accept your application. Often, the lender will add a stipulation to the loan that cover issues it is concerned about.

Once you are granted the loan, you will close on the residence you are after. Most people are then very surprised by what happens. Inevitably, your mortgage lender will sell the loan to another entity. To raise cash to issue more home loans, lenders sell their current stock of mortgages on a secondary market. Your lender may continue to handle the administration of the loan, but will often just hand the entire thing off.

Your mortgage will be terminated at some point in time. Positive reasons can be the sale of the home, refinancing or simply paying off the balance. Negative reasons can include default or bankruptcy. Regardless, the above represents the basic structure of the mortgage industry and how your loan moves through it.

If your looking for a mortgage in Oklahoma, Contact the #1 rated lender by consumers for 2012 Today.

 

ZFG Mortgage

918-459-6530

http://www.zfgmortgage.com

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11.28.12
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Three Steps to Getting in the Right Financial Shape to Buy or Refinance a House

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As a loan officer, I talk to people day in and day out and no matter how diverse my clients are I always end up asking the same question: What’s your credit like? The more savvy clients i.e. the ones who have bought or refinanced a home before, know exactly how good their credit is and know that every loan officer they talk to is salivating over the chance to do a loan for someone with a 720+ credit score. For everybody else, that question prompts me to deliver my mini-speech on credit. I don’t mind—I enjoy educating people and hope that I am the one loan officer they talk to who is willing to take the time to explain the complicated nuances of credit. With that in mind, I set out to create an article setting out those basic lessons for people who are buying their first home or those who are doing a refinance for the first time. In my opinion, there are three important things a consumer can do before applying for a loan, in order to get their finances up to speed. It can take up to six months for your credit report to be updated by the credit reporting companies, so start now and you’ll be ready for the future.

1. Check your credit report. Under the Fair and Accurate Credit Transactions Act, consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). You can go to https://www.annualcreditreport.com/cra/index.jsp to request a free copy of your credit report. This is the only site authorized by the three major credit bureaus for the purpose of obtaining a free copy of your credit report. You can request the reports via e-mail, telephone, or mail. While the report you receive from the site will not provide you with a credit score, it will give you a complete copy of your credit history—that’s all you need for now. Take some time to review each entry. This is also a good time to make sure you are not a victim of identity theft. Do you have any late payments or delinquencies? Are there any errors? Is there any unfavorable public record information? Are there collections disputes? Decide whether to resolve or dispute every negative item on your credit report. Even small items such as a past due account with a utility company can show up and adversely affect your credit so take care of it now.

2. If you carry a balance on your credit cards, start paying them off. We all know that we’re supposed to do this but many Americans keep putting it off. Here’s the deal: when you apply for a home loan, the loan underwriter will look at your ability to repay your total debt and a large annual salary usually does look pretty good. However, the underwriter will also look at the current debt that you carry on revolving accounts and how much you pay for that each month. Oftentimes, they will even calculate it at 3% of the balance rather than your monthly minimum, which really makes a difference when calculating the ratio of your monthly obligations to your salary. For those of you who are paid well, don’t fall into the trap of thinking that a hefty salary is enough. I recently had a client who made over $70,000 per year. He resisted paying down the balances on his credit cards because he thought his salary was enough to qualify him for a good rate on his loan. He was wrong and we had to put him into an alternative documentation program with a less than favorable interest rate. In short, start making a serious effort to pay off your credit cards.

3. Start saving to pay for closing costs. Closing costs are the costs associated with the closing of the loan e.g. title costs, loan fees, discount fees, inspection fees, appraisals, etc. If you are refinancing your current home, you can finance the cost of closing into the loan amount. However, when you purchase a home, you will be expected to bring these fees, which can range from $3000 to $7000, into closing with you. There are loan programs that allow you to finance the closing costs of your loan, but be prepared to pay a premium for that convenience. If you’re relying on the seller to pay closing costs, keep in mind that what the seller pays in closing costs is considered to be a rebate on the price of the house. If the house doesn’t appraise within the range, the seller can’t pay your closing costs. For instance, say you find a $200,000 home and the seller is paying $5000 in closing costs. What the seller is actually getting for the house is $195,000 i.e. the $200,000 sales price less the $5000 the seller gave back to you in the way of closing costs. An appraisal is a written estimate of a property’s current market value based on recent sales information for similar properties, the condition of the property, and the neighborhood’s impact on future property value. A lender will lend a dollar amount based on the appraisal. Therefore, if this hypothetical house appraises at $200,000, all is good. BUT if the house appraises at only $195,000, then you can count on only getting a loan for up to $195,000 so you’ll have to bring the $5000 difference between the $200,000 asking price and the $195,000 appraisal price in with you anyway. In that case, why have the seller pay closing costs at all? In short, one way or another, you will pay for closing costs, so just start saving for it now.

While these steps are not exclusive, they will put you on the right track to qualifying for the best mortgage possible. The months before buying your first house are an important time to be frugal and avoid any negative impacts on your credit report.

About the Author: Bill Sheikh is a Sr. Mortgage Banker who specializes in mortgage planning at ZFG Mortgage in Tulsa, Oklahoma. He can be reached for more questions at billsheikh@zfgmortgage.com or by calling 1-877-205-7266.

www.zfgmortgage.com

02.02.12
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Oklahoma Mortgage rates hit a new low: 30-year fixed at 3.87%

According to a CNN Money Article from 2-2-2012
Just one day after President Obama detailed a proposal to enable millions of homeowners to refinance to record-low mortgage rates, those rates notched another record.

The 30-year, fixed rate fell to an average of 3.87% and the 15-year fixed dropped to 3.14% for the week ending February 2, both the lowest rates ever recorded in the 40-year history of the Freddie Mac Primary Mortgage Market Survey.

Frank Nothaft, vice president and chief economist at Freddie Mac said the rates fell to new lows after the fourth quarter gross domestic product report last week showed that the economy was growing at a rate that fell short of expectations.

The new record rates were “fortuitously timed” for the Obama administration to announce its latest refinancing proposal, said Greg McBride, senior financial analyst at Bankrate.com.

The plan, which requires approval by Congress, would allow borrowers who are current on their mortgage to save an average of $3,000 a year by refinancing into loans backed by the Federal Housing Administration

To Apply for a mortgage Refinance or Purchase and take advantage of the low rates today, log on to our website http://www.zfgmortgage.com

01.25.12
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Oklahoma Mortgage Tips for the New Year

There is no time like the present to make changes to your Oklahoma mortgage loan, changes that could save you hundreds of dollars this year. You may already realize that you can save a lot in interest by refinancing your loan into one with a lower rate, due to the historically low current mortgage rates. You may also know that if you have paid down your home balance and acquired 20% equity in your property, you can save hundreds by canceling your private mortgage insurance policy. If you have an adjustable rate mortgage (ARM) that will be resetting this year, you may also know that refinancing into a fixed rate loan could save you from the impending payment shock. Even knowing all this, depending on your situation, there may be other valuable tips that can help you have a more productive mortgage this year.

If you do not have a fixed rate mortgage or a traditional ARM, you may have an option ARM loan that is not a very common loan in today’s mortgage market. This type of a loan allows you to decide between four different payment amounts each month for a certain amount of time. It may be tempting to stick with the lowest payment option, but if you can at all afford it, try to make the monthly payment that would allow you to pay off your mortgage in 30 years. If you can’t make that payment every time this year, at least try to make the interest-only payment during those months that you cannot make the 30-year payment option. If you consistently make the minimum payment option, not only will you be making no contribution to your loan’s principal, but you will not be covering the monthly interest charges and the negative balance gets added to your loan total. This means your loan balance is actually increases, instead of decreasing each time you make the minimum payment! With today’s real estate property values decreasing due to the high amount of foreclosures & un-employment, If you are planning on staying in your home for many more years you should consider simply refinancing into a 30 or 15 year fixed rate mortgage loan to avoid the temptation to make the minimum payment.

No matter what type of Oklahoma mortgage loan you have, it is often a good idea to make at least one extra payment to principle to further pay down the balance on your home loan. In fact, if you can consistently make one extra payment a year towards the principle balance on your loan, you will be able to pay off a 30-year mortgage loan in only 25 years, and in the process you will save yourself thousands in interest charges over the life of the loan.

Another tip is to consider the lifestyle changes you expect this year. If you are adding a new family member to your household this year, whether it be a new baby or an aging relative, you may need to get a cash-out refinance or a home equity loan in order to add on that new room or make necessary repairs or remodeling. If you have a child leaving for college this year or simply moving out, you may want to make a financial plan to throw more money toward your mortgage than you could have realistically done before. Another common reason that home owners obtain a cash-out mortgage refinance is to do some debt-consolidation mortgage.
These types of mortgages help homeowners lower their monthly bills by taking all of their current loans and rolling them into one. This means that multiple loans are replaced with a single loan and that single loan usually becomes due over a longer period of time at a lower interest rate, therefore lowering the amount due per month drastically. This also makes it easier for homeowners to keep track of their bills with one easy payment. If you have credit cards, a car loan, and a student loan, it can become difficult to keep track of due dates. After consolidating your loans you no longer have to worry about keeping track of multiple due dates as well.

Every homeowners mortgage situation is unique, but regardless of your particular home loan type, you should take some time to sit down and evaluate how your mortgage is working for you. Making some small changes may net you hundreds in savings this year!!

Call or Apply online if you would like more details on any of the loans discussed in this article.
918-459-6530
http://www.zfgmortgage.com

12.12.11
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Should you Choose a 15 Year Fixed Rate Mortgage in Oklahoma

If you have been looking into buying a home or refinancing your current Mortgage in Oklahoma, you may have heard the term a 15-year Mortgage thrown around. While most Home Loans in Oklahoma are paid back over the course of 30 years, for those with the financial ability and budgeting skills, a 15-year fixed rate mortgage may be a much better option in the long run.

A 15-year loan is just what it sounds like: a home loan that must be repaid back within a 15 year period. It has a interest rate that is fixed throughout the course of the loan. Because it has to be repaid twice as fast as a 30-year mortgage, the monthly payments will be greater on a 15-year loan.

While this may sound too expensive for you to afford, you should realize that because the loan is shorter, you will be able to obtain a lower interest rate on the 15-year mortgage than you would on a 30-year mortgage in Oklahoma. This means you will pay less interest over the life of the loan since the term is shorter and because of the lower rate. This lower rate may help offset the higher monthly mortgage cost, but in most cases even with the rate decrees the monthly payment on the 15 years is higher.

For example, let’s compare the difference in payments and interest between a 30-year $100,000 fixed rate loan at 4.5% and a 15-year $100,000 fixed rate loan at 3.875%. For the 30-year loan, your monthly payment would be $506.94. You would pay $733.44 a month with a 15-year loan. In terms of interest over the course of the loan, with the 30-year loan you would end up paying $82,404, whereas you would only pay $32,192 in interest with a 15-year loan. That is a savings of $50,212!

Plus you would own your home free and clear at the end of those 15 years. Can you imagine the freedom? What would it be like to have no more monthly mortgage payments? For some, the savings benefit is definitely worth the higher monthly payment.

Consider another benefit: With a fifteen-year Oklahoma mortgage loan you will be building the home equity much quicker than you would with a 30-year loan. This is because your initial payments go mostly to interest, but because the interest on a 15-year loan is so much lower and the payments you are making are greater, more of your money goes toward paying down the principal balance thus increasing your equity. If you decide to sell the house before your fifteen years are up, you will have more equity to put towards your next purchase.

Perhaps you might think that you could do just as well by taking out a 30-year mortgage and making an additional $225 payment to principle each month. This is an option to consider for borrowers that don’t want to be obligated to make a higher payment each month. While this option won’t give you the ability to pay off the loan in exactly 15 years it will get you close, in most cases the home would be paid off in 17 to18 years if you followed the extra payment schedule for the life of the loan. But doing it this will not get you a lower interest rate, and the savings won’t be as significant over the life of the loan.

If you think this Oklahoma mortgage program sounds like a good fit for your needs, talk with a mortgage professional to discuss your options. For as much as you would save, it is definitely worth exploring!

Call or Apply online Today http://www.zfgmortgage.com
918-459-6530