ZFG Mortgage Lenders – Tulsa Mortgage Lenders – 918-459-6530

tulsamortgagelender — Thu, 14 Jan 2010 01:56:47 +0000

ZFG Mortgage.

A company founded on the philosophy of conducting business in a more logical, sensible and upfront manner.

Home mortgage lenders & realtors in Oklahoma specialize in Tulsa mortgages, refinancing & in finding Tulsa homes for sale.

WHY US – WHAT SETS US APART

At ZFG Mortgage we know that consumers have many choices on where to take their mortgage business. Selecting a mortgage company is a very difficult decision, and consumers face many uncertainties, including whether the mortgage company they choose will honor the terms of the deal. What sets us apart? Let us tell you more about what makes ZFG Mortgage different.

Integrity: ZFG Mortgage prides itself on its integrity. We are acutely aware that the mortgage industry has a terrible reputation with the consuming public. How do you know we are different than other mortgage companies with less integrity? All of our programs are available for you to review and can be found within the Today’s Rate Sheet on our website, updated daily. Nothing is hidden; other lenders don’t do this! Finding out what the terms of your loan will be is not a difficult process with us. When you call for our rates we will quote you a rate from our rate sheet then email you a Good Faith Estimate – in other words, provided you qualify, what you see is what you get.

Experience: ZFG Mortgage owners have years of experience in banking, mortgage lending, real estate and financial services, serving 100’s of consumers just like you.

Competitive: ZFG Mortgage operates in a very upfront manner. We do not employ traditional, commissioned loan officers who may have an incentive to increase your loan terms for their own personal gain. All of these unique aspects of our business model allow us to offer extremely competitive pricing that most banks and mortgage brokers can’t.

Convenience and Service: You can apply on-line at your convenience. There is no need to come to our office personally in order to start the process. Just click on the “Loan Application” button and an owner of the company will contact you via phone or email to move forward. During the loan process we update our clients and all involved parties on a regular basis so there are no surprises when it’s time to close.

Accessible: We understand when you’re looking for something or need information you can’t afford to wait. We strive to answer emails and phone calls promptly. Our contact information below includes both office and cell phone numbers and we encourage our clients to call or email us anytime including weekends.

Having a baby and refinancing your home loan.

Diapers, Bottles, Strollers and Clothes…Have you ever wondered “How can I ever have enough money to save for retirement and my child’s education?” and “How did my parents ever make ends meet?”

(Most people think the only time to refinance is to get money to pay off debts. Some loans allow you to drop your payment by as much as 50%)

What would you do with the extra money if you could Cut Your Mortgage Payment in Half?

Start contributing to your 401k or 403b plan? Spend more time with your family?

Fund a Roth IRA or Traditional IRA each year? Put money down on a vacation home with the extra money?

Get health insurance in case your family became ill? Move forward with plans to adopt children?

Call your financial planner for a wealth building plan? Decorate the baby’s room or add on to the home?

Family Life and Getting a Bigger Home.

Is this your situation? “There aren’t enough bathrooms and you have 3 girls, and your son wants his own room.” Maybe you can now sell your current home for the down payment on a bigger home … but should you put the money down?

(You can still buy a home without putting much of your own cash down, wouldn’t it make more sense to put the proceeds of your old home to work?)

This is where we can show you your options on how much money you put down vs. your interest rate or closing costs.

Does putting much money down earn you a RATE OF RETURN?

How much you put down, does not affect a home’s value

Is the money you put down on the home SAFE?

If home prices drop, you lose access to the money

Is the money you put down on the home LIQUID?

When you need it most, the money can be un-obtainable

Does the money you put down on the home reduce TAXES?

The interest payment on your loan could be tax deductable

Trust us with your financing needs.

We offer you the competitive rates and service you deserve. Whether you’re a first time home buyer or are refinancing – we will find you the best rate and program for your situation. Apply online today for a no-cost, no-obligation pre-approval!

* Enthusiasm working for you

Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.

* Established Credibility

We have many years of experience and knowledge working in this industry. We can say with confidence that we’ll get the job done right.

Mortgage Center

Purchase the home of your dreams! ZFG Mortgage has the mortgage program designed to meet the needs of your individual financial situation.

Refinance Center

Gain extra cash by refinancing your home loan. ZFG Mortgage refinance programs are tailored to fit your specific lending requirements.

Real Estate Center

Stay informed on buying and selling your home!

Apply

Get a fast application and closing process! Complete your mortgage application online both quickly and easily with ZFG Mortgage.

At ZFG Mortgages experts are always at hand for your Residential Purchase Loans and Refinancing Loans.

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use our FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home’s equity, use our FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use our FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

Oklahoma mortgage loans are our specialty. It’s all we do. Right now you are probably searching the various Internet lenders for a great mortgage rate. The drawback with Internet lenders is that you normally have to deal with some huge company in another state or even another country. They simply aren’t as experienced with Oklahoma mortgages as someone that lives right here in Oklahoma. A mortgage loan is the largest transaction most families ever make. Do you really want to trust your home purchase or mortgage refinance to someone sitting in a cubicle hundreds of miles away?

With our latest technology, you can have the best of both worlds. We offer competitive mortgage rates AND top-notch customer service from mortgage professionals right here in Oklahoma. Give us a chance to earn your business with a FREE customized mortgage rate quote. We’ll never give you any high pressure and there is no obligation. You will usually receive an answer from an experienced Mortgage Consultant by the following business day.

If you are buying a home or looking to refinance your existing mortgage, we can help. Our Oklahoma mortgage rates are among the lowest in the industry! We have funded thousands of loans in Oklahoma, and we look forward to making you one of our next satisfied clients. Simply give us a call or apply online for your FREE mortgage consultation.

Builder: Pink slip? Mortgage paid for 3 months

http://www.chron.com/disp/story.mpl/headline/biz/6380778.html

Six firms to get mortgage incentives named

http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2009/04/15/BUP61737PV.DTL&type=business

Fallen stocks need time to get up

http://www.goerie.com/apps/pbcs.dll/article?AID=/20090419/BUSINESS05/304199971/0/BUSINESS04

Tulsa Home Sales Down 24%

http://www.ktul.com/news/stories/0409/614834.html

Low rates can mean big savings when refinancing

http://www.tulsaworld.com/business/article.aspx?subjectid=15&articleid=20090416_15_E4_DearAc878441

We should be happy we live in Tulsa, Oklahoma

http://www.tulsaworld.com/business/article.aspx?subjectid=46&articleid=20090412_46_E1_Oklaho982681

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ZFG Mortgage Lenders – Tulsa Mortgage Lenders – 918-459-6530

tulsamortgagelender — Wed, 28 Jan 2009 15:18:04 +0000

ZFG Mortgage Tulsa – 918-459-6530 – www.zfgmortgage.com

ZFG Mortgage & Zeshu Financial Tulsa Has The Lowest Mortgage

If you would like to take a moment to view our current interest rates, you will quickly find that ZFG Mortgage Tulsa has the low interest rates that you been searching for.

The Lowest Closing Costs:

At ZFG our super-low closing costs have saved our customers thousands, and we never charge any undisclosed fees at the closing table.

Refinance Your ARM LOAN or YOUR HIGH FIXED RATE MORTGAGE TODAY:

ZFG Mortgage Tulsa has designed a stream-lined process that makes the process of lowering your current mortgage rate and your current mortgage payments easy (and painless). For more information on how you can reduce the remaining term on your current 30 year mortgage loan, or how you can reduce your total monthly payments simply call us today at 918-459-6530.

Quickly Get “Accurate” Faith Estimates:

When you call ZFG Mortgage Tulsa our team will quickly be able to get you a Good Faith Estimate of your Closing Costs so that you’ll quickly realize firsthand that we offer the lowest interest rates and that we will be able to offer you the lowest Closing Costs in Tulsa.

To help more incredible customers like you to better reach our the ZFG mortgage offices we have compiled the following list of tulsa mortgage related terms, articles and phrases.

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Refinance Tulsa Mortgages – ZFG Mortgage Tulsa

tulsamortgagelender — Thu, 18 Dec 2008 23:20:18 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

At ZFG Mortgage We Are Proud To Offer The Various Refinancing Tips:

When Is The Right Time To Refinance?
At ZFG we realize that the decision as to whether you should refinance your home mortgage can be an agonizing one. Thus, we have put together the following questions (in a checklist form) that you should ask yourself before you decide to go forward with a home refinance or not. In many circumstances, refinancing can be an incredible option that can free up considerable amounts of cash flow for you and your family (based off of the reduced amounts that you will be spending on your monthly mortgage payments). However for some other candidates, refinancing might not make sense for you at this time. Before you decide to refinance or not, answer the following questions:

How long do you plan on living in your home?
How much equity do you have built up in your home?
Do you plan on utilizing a home equity line to pull cash out of your home?
How much of a rate discount will you be able to realize through by refinancing?
How much will your closing costs be for refinancing your loan (generally speaking your closing costs will be 3-6% of your total mortgage)?

If you are still unsure of whether refinancing makes sense to you in your current situation, we strongly encourage you to factor in the following variables:

If you are not going to live in your current house very long, refinancing generally does not make much sense financially.
If you cannot reduce the interest rate that you are currently paying the refinancing usually does not make much sense.
If you cannot free up considerable amounts of cash flow by reducing your monthly payment amount, refinancing might not make much sense for you at this point.
If you have an ARM (adjustable rate mortgage) and you anticipate your rates dramatically increasing over the next few months (thus dramatically increasing your monthly mortgage payments), then refinancing your home mortgage should be your top priority.
If you are currently throwing money away each month by paying private mortgage insurance, then refinancing definately is something that you should strongly consider.
How much will your closing costs be? Closing costs can be expensive. If your closing costs are going to be huge, it might not make much sense for you to consider refinancing your current home mortgage.
Do you need cash now? If you do their are 2 primary types of financing available to serve you and your cash needs. (a “home equity loan” or a “cash-out refinance loan”…for more information about these programs, call your ZFG mortgage specialist today.
Are you using a mortgage lender that you can trust? If you are attempting to refinance with your cousin Larry’s best friend who is just getting into the mortgage lending business, then that might not be a good idea. Stick with a reputable company that you can trust to help you correctly refinance your mortgage (this will greatly affect your financial future).
Do you have bad credit? If you do have bad credit, then you will want to find a lender who is willing to work with you to offer your terms that are reasonable for you and your unique situation.
Listed Below Are Various Words That We Have Put Together To Help Customers Such As Yourself To Reach Credible Lending Institutions Such As Us:

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

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Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Listed Below Are Various ZFG Related Links For Your Viewing Pleasure:

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Tulsa Mortgage Lenders Educate Customers About The Lease Option

tulsamortgagelender — Wed, 17 Dec 2008 18:15:08 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Lease Option Tips and Strategies

Here are some practical tips our Real Estate Investor’s have learned from doing lease options over the years. Lease options are great, except when the sellers decides not to live up to their end of the bargain.

Sure, you can always sue the seller to force them to sell you the property, but this can cost you thousands of dollars in legal fees and take years to accomplish. You need to be in a better position if you want your investment to be protected. Here are three good ways to protect your option:

1. Record the option. If your option was signed before a notary, you can record your option in the public real estate records. This will give the world public notice of your interest. If the option was not notarized, you can sign an affidavit called a “memorandum of option” and file it in the real estate records where the property sits. Keep in mind that this does not create a lien; it only creates a “cloud” on the title.

2. Escrow the deed. If your seller has died or disappeared, you will have a big problem getting him to sign a deed. An escrow should be created up front in which a title company or attorney holds an executed deed. When you are ready to exercise, you simply tender the money to the escrow agent and collect the deed.

3. Record a mortgage. Typically a mortgage is recorded to secure payments on a promissory note. A mortgage can be recorded to secure performance of any agreement, even a purchase option. You as optionee (buyer) will now be a lien holder, in the same position as a secured lender. If the seller refuses to sell the property, you foreclose. Now the SELLER has to go to court to protect himself, rather than the other way around.

Avoiding the “equitable mortgage”

Tenant/buyers who default do not always go away quietly. Sometimes, they fight the eviction and go into court kicking and screaming, “I HAVE AN EQUITABLE INTEREST IN THE PROPERTY.” What they are arguing is that the lease option is not a landlord/tenant relationship, but rather a seller/buyer relationship.

If the Judge agrees, your lease option is “re-characterized” as an installment land contract. This may require you to foreclose the tenant, not just evict him. Here are some tips for avoiding the equitable mortgage:

1. Use separate agreements. Give your tenant a lease and a separate option agreement. Make certain the lease does not refer to the option. More than 75% of the time, the tenant loses his paperwork. You don’t show any option agreement to the court until the judge asks for it.

2. Keep your term short. Do not give tenants more than a one-year lease option at a time. If the tenant insists on three years, give him a one year with two rights to renew. Draw up brand new leases and option agreements each time he renews. If you give a cumulative rent credit, raise the purchase price each time.

3. Take a security deposit. Sellers don’t take security deposits, landlords do. Make it look like a landlord/tenant relationship, even if the security deposit is small.

4. Pay the taxes and insurance. Do not let the tenant pay the taxes and insurance. This makes it look like a sale.

5. Don’t give large rent credits. The more “equity” the tenant has, the more likely a judge will favor an equitable mortgage

6. Watch your language. Refrain from using the words “credit,” “seller,” and “buyer” in your agreements. Instead, use the words “non-refundable option,” “landlord,” and “tenant.”

Sell your option for capital gains treatment

If you lease option, then sub-lease option, we call this a “sandwich.” When your subtenant is ready to buy, you simultaneously “buy and flip.” This profit is taxed as ordinary income.

If you held the option more than a year, you may qualify for capital gains treatment. Instead of selling the property, sell your option and let your subtenant exercise it directly from the owner.

Take a loss on your personal residence

As you may know, you cannot write off a loss on the sale of your personal residence. However, if you lease option the property you may be able to convert it to a rental and take a capital loss when the buyer exercises.

How to Protect Yourself in Lease Options

When you are buying a house on a lease option, you must protect yourself from paying your rent payment to the seller, but him not paying the lender.

The single best way to protect yourself is for you to pay your payment directly to the LENDER so that you are certain that the payments are kept current. Many sellers will be okay with this, although many sellers won’t.

Pay the lender directly

Whenever possible, this is the way to handle your own lease option properties.

You should start off by paying the seller directly, but after a little bit of time has passed, and you have built up trust in the relationship, You should ask the sellers if you can just send the payment to the lender directly.

Note: One very powerful way to build trust in the relationship is that I pay my sellers EARLY! I mail checks out on the 25th of each month. You would be amazed at how this small gesture impacts your relationship with the seller.

Option two is for you to set up an escrow account you pay your monthly payments into, and for this escrow company to pay the lender each month (and notifying the seller and you that they have done so.)

Many investors don’t use this method because it’s too complicated. Variations on this theme are to send the seller a check made payable to the lender in the amount of the mortgage payment with a pre-addressed and stamped envelope to let the seller quickly forward the check on to the lender.

This allows the seller to feel confident that the payments are coming in, and lets you know that the payment has been made (by checking to see if the check has cleared.) Instead, if I can’t pay the lender directly, I simply pay the seller and let them pay the lender. How do I know the payments are being made?

You should get the seller to sign two specific documents up front (in addition to the performance mortgage or deed of trust and all the other closing paperwork we escrow on the front end of any lease option deal.)

Document one: Authorization to Release Information

This gives you the ability to talk with the lender about any of their loans. I can even check every few months that the payments are current by calling into the lender’s touch tone phone hotline and entering in the seller’s loan number and social security number!

Document two: Authorization for Direct Payments

This gives you the right to pay any third party that is owed money by the seller that the seller hasn’t paid who could place a lien on the property, and to count this money as money paid by me to the seller under my lease option agreement. This includes mortgage payments, property tax payments, etc.

Here’s part of the agreement we use when buying on a lease option. See if you can find the powerful incentive we give the seller to make sure he does in fact make his payments with the money we send him:

“If the mortgage payments, property taxes, association fees, insurance premiums, or other property payments on __________________________ ever go into arrears, then ________________________________ (Landlord) hereby gives_______________________________ (Tenant) or his/her/its assigns or heirs the right to make payments directly to the lender or other party who is owed payment on Landlord’s behalf.

These payments sent directly to the lender or these other parties by the Tenant shall be considered as rent (or other money due) received by Landlord from Tenant for compliance of Residential Lease Purchase Agreement between these parties dated _________________.

To adequately compensate the Tenant for the additional risk incurred by making such payments of additional rents and costs, for every one dollar ($1) paid to lender or other parties to make up late payment(s) and/or fee, premiums, etc., three dollars ($3) shall be credited off the option price stated in the Residential Lease Purchase Agreement of December __________________.

Once these payments/fees are made current, Tenant may make his or her payments directly to the Lender and other parties for the remainder of the lease period state in the Residential Lease Purchase Agreement dated on ______________ between _____________________________ (Tenant) and ____________________________ (Landlord).

These continuing payments sent directly to the lender or these other parties shall be considered as rent (or other money due) received by Landlord for compliance of Residential Lease Purchase Agreement between these parties dated on ___________________, but shall not be credited with the three for one credit detailed above.”

If you would like to find out more information regarding this or other real estate investment strategies, contact us at 1-877-205-7266 today.

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Tulsa Mortgage Lenders Give Real Estate 101 Course

tulsamortgagelender — Wed, 17 Dec 2008 17:55:25 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Real Estate Investing 101

As a real estate investor, your goal is to purchase property for profit. There are two basic ways to invest in real estate—you can “buy-and-hold,” or you can flip properties. Most buy-and-hold investors focus on long-term appreciation and cashflow. Meanwhile, investors who flip properties (also known as rehabbers or wholesalers) purchase houses at a discount, renovate them, and then re-sell for lump-sum payments. The option you choose

will depend on how you want to make your money, and how much time you have available.

If you decide to flip, you should focus on buying houses below market value and reselling them for what they’re really worth. Most real estate investors who flip properties perform repairs and renovations before reselling. These repairs and renovations increase the market value of the home. After renovations, the investor puts the house up for sale, expecting to sell the property for more than he paid for it.

If you prefer not to complete repairs on a property, you can wholesale property to other investors. Wholesaleling properties is less work than rehabbing, but normally the payoff is less. Generally, as a wholesaler, your profit will be lower than rehabbing, but the benefit of wholesaleing is that you don’t have to deal with construction crews or repairs.

Renting Properties (Buy & Hold)

When you buy a house, the mortgage payment is usually less than the rental rates for that property. This is especially true when you buy the house for less thTulsa interest rates, an market value. The buy-and-hold method of real estate investing allows you to profit each month from rental income, plus you get the benefit of long-term price appreciation.

Lease Options

You can also lease-option your investment properties. Lease options are commonly known as “rent-to-own” deals. This type of arrangements is a wonderful alternative for people who want to purchase a home immediately but may need some time to improve their credit score or save money for a down payment. As an investor, you make money from an initial option deposit (normally several thousand dollars), which gives the tenant the option to purchase the home at a pre-determined price in the future. In the meantime, however, the investor receives consistent monthly income in the form of rental payments. Lease option deals are a great way to profit upfront (from the initial option deposit) and over time (from the monthly rental payments).

You can use our network’s financing to buy your properties. Put the money that you would have spent on a down payment towards rehabbing your properties, and resell-them for top dollar. Our financing network can pre-qualify your buyers for a no down payment loan when you go to re-sell your properties. By advertising “100% financing” on all your houses, you will sell them much faster.

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

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For example, let’s assume you purchase a $100,000 house. Your mortgage after taxes and insurance is $750/month. You rent out the house for $950/month. Each month you put $200 in your pocket. Rental income can produce a consistent and predictable monthly cashflow; however, you need to properly screen tenants

Flipping Properties (Rehabbing or Wholesaling)

Tulsa Real Estate Investors Turn To ZFG Tulsa Mortgage Lenders

tulsamortgagelender — Wed, 17 Dec 2008 17:01:00 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Knowledgeable real estate investors know to turn to Zeshu Financial Group’s Real Estate Investment Lending Division to get the home loans they need to purchase more properties. For many people, real estate investing can be a practical and sensible way to invest for the future. Thanks to our real estate know-how and flexible loan process, we’re often able to help you get the financing you need to purchase that property you have your eye on—even when other mortgage companies can’t.

Some of the benefits of our investment property home loans include:

The ability to finance more properties

Our flexible loan approval guidelines often allow investors to finance more properties compared with more traditional lenders.

Easier qualifications

We help real estate investors qualify more easily for loans, since our underwriting guidelines count a full 90% of rental income. That’s typically 15% more than most traditional lenders allow using standard Fannie Mae guidelines.

More home loan options

Zeshu Financial Group’s Real Estate Investment Lending offers a wide range of loan programs. With our adjustable, fixed and combination rate loans, you can find a loan that meets your individual needs and lifestyle. Our Home Loan Consultants are experts who understand the needs of real estate investors, and can help you get the most out of your choice of financing.

For example, you might consider refinancing your primary home’s equity to help pay for your next investment property. Zeshu Financial Group’s Real Estate Investment Lending Division offers a wide range of refinancing loan options, including cash-out refinancing, that can allow you to access your home’s equity.Whether you’re buying your first property or are an experienced pro, we can help you get the financing you need. Call 1-877-205-7266 today to apply for a no–cost, no-obligation loan consultation. Our experienced Loan Consultants can recommend the loan options best suited to help you purchase investment properties. With our wide range of home loans, including refinancing , we’re confident of finding you a loan to meet your individual needs.

Worried about a low credit score preventing you from investing in real estate? Zeshu specializes in helping people with a wide range of credit scores get the loans they deserve. Even if your credit is less than perfect or you are self-employed, apply as we’re eager to help you qualify for a home loan with us. To us, your future looks like a good investment!

Buying an investment property puts your money to work and could give you an impressive return over time. By getting the right loan from Zeshu Financial Group, you could begin enjoying the financial rewards of owning real estate—and build wealth for your future.

HELP FULL INFO

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Tulsa Mortgaga Lender Proudly Offers USDA Rural Development Loans

tulsamortgagelender — Wed, 17 Dec 2008 16:52:46 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Oklahoma USDA Home Loan Program Information

Most people do not know that USDA (United States Department of Agriculture) has Home Purchase Programs.

Oklahoma USDA (United States Department of Agriculture) rural mortgage program is another government sponsored home buying program. Like Oklahoma FHA and Oklahoma VA, USDA DOES NOT originate the mortgage, you get an Oklahoma USDA mortgage through a lender like us!

Basic highlights of Oklahoma USDA mortgage program:

Zero Money Down
One Loan at a Low Fixed Rate
No Mortgage Insurance (PMI) Insurance required
No cash reserves required (money in the bank not required)
Single Family Homes only (can’t purchase duplexes, apartments, ect.)
No mobile homes
No “fixxer-uppers” (standard homes in working order)
Flexible credit requirements (similar to FHA)
Closing Costs,1st years Hazard Insurance and Taxes can be rolled into the loan.

Income Restrictions: Rather than having a loan limit, USDA has household income limits, which vary by county and household size. Click here check your USDA income restrictions in your area.

Location Restrictions: USDA home loans are not for the “big cities” but most surrounding areas qualify. Click here to check qualifying areas in Oklahoma.

If you qualify for an Oklahoma USDA mortgage, many times it can be a more attractive mortgage program than FHA!

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Tulsa Mortgage Lenders Discuss Reverse Mortgages

tulsamortgagelender — Wed, 17 Dec 2008 16:40:13 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

More information about reverse mortgages:

Much like a traditional mortgage, a reverse mortgage does have fees associated with securing it. The following is a list explaining common fees you may have to pay when getting your reverse mortgage.

Origination Fee – The origination fee covers the lenders operating expenses associated with making the reverse mortgage. This can include things like overhead, marketing and title searches.

With an HEMC reverse mortgage your origination fee is equal to the greater of $2,000 or 2% of your counties FHA loan limit. In most U.S. counties the 2% origination fee will be between $4,000 and $7,300. Other reverse mortgage programs like the Home Keeper keep the origination fee to 2% of the value of the home. Origination fees can be bundled into the total mortgage.

Appraisal Fees – Before a reverse mortgage loan can be approved an appraiser will come to your home and inspect it. The appraiser will be looking to determine the worth of your home based mostly on condition, location and the current market situation. The cost of an appraisal is generally between $300 and $400.

If the appraiser uncovers a significant problem you will be required to hire a contractor to fix the problem before obtaining your reverse mortgage. That same appraiser will come out again and re-inspect the property.

Mortgage Insurance Premium – The mortgage insurance premium is a fee associated with the HEMC reverse mortgage plan. This fee is equal to 2% of your counties FHA loan limit or the value of your home, whichever is less. Additionally you will pay an annual premium of 0.5% of the loan balance.

The mortgage insurance premium guarantees that you will continue to receive your monthly payments and that you will never owe more that what your home is worth once the loan reaches maturity.

Closing Costs – Closing costs that are generally included in a reverse mortgage are:

Credit Report
Document Preparation
Flood zone certification
Termite inspection
Attorney’s fee and title examination
Recording fees
Escrow/Settlement fee
Other fees

Apply Now to get started with your reverse application.

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

In our shameless attempt top get our industry best mortgage lending and home mortgage lender products in front of great customers like you, we have put together the following industry related words that customers such as yourself have been known to type into their search engines when looking for Tulsa mortgage lenders. For more information on the Tulsa mortgage lending packages that we offer to Tulsa area consumers and new home buyers we highly recommend that you would call our Tulsa office today at 1-877-205-7266. Some of our newest services extend beyond just offering Tulsa mortgage packages and Tulsa mortgages for the average customer. We now offer credit repair services that are the best in the city. With our full-time staff of credit and financial experts, ZFG is not available to repair the credit of many Tulsa residents which helps them turn their home buying dreams into a reality with more quickness than a Reggie Bush punt return. As a team our Tulsa mortgage rates are some of the best in the industry. We are now able to refinance many different types of loans and we are now becoming known throughout the state of Oklahoma as the best lenders in the state, not just the “OK mortgages lenders” that many Tulsans have grown accustomed to. At ZFG we will work without sleep and we will tirelessly to refinance your mortgage if it is possible. Our team will quickly, honestly and accurately process your paperwork so that you can take advantage of the ultra-low interest rates currently available. In our industry there are so many different variables that can determine what kind of loan that you can or cannot qualify for, but don’t be overwhelmed. Submit your paperwork to us today and we will begin working through the paper work in quick order to let you know what the best strategy should be for us to work in order for you to be able to secure the funds that you need to turn your financial aspirations in a tangible reality. If you are like many Tulsans you might find yourself spending considerable amounts of time looking on the internet for the lowest Tulsa mortgage rates offered by local Tulsa brokers and local Tulsa based banks. Basically at ZFG, our network is so extensive that we can connect you with sources of funding that you would previously not be able to find on your own. Insurance funds, and various other investor networks are accessible by the tulsa mortgage lenders at ZFG mortgage of Tulsa. As you begin your loan process you might find yourself looking to get a pre-approval letter before you begin your actual house search. Now, although that a pre-approval letter merely offers you an ballpark figure as to what type of loan you would qualify for, this does not mean that this is amount of money that you should spend on your mortgage. The pre-approval letter does not obligate our lending institution to lend you the funds, or any other lending institution to lend you funds, however it does offer you a ballpark and general idea as to what we might offer you if your financial information all checked out to be the way that you initially reported it to be. When determing how large of a loan that you should be applying for as you seek a Tulsa home loan or as your seek to refinance your home loan, you need to look closely at your other financial obligations that currently exist. Many first time buyers make the mistake of buying the most home that they are approved for, essentially spending to their max capacity, and although we might be able to lend you the funds needed to secure a home of this size, you will be extending yourself financially to the point where you are financially stressed out and fully extended. As a general rule you do not want to borrow more than 3 times your annual income. Thus, if you are making $40,000 per year, then you would not want to be applying for a loan larger than $120,000 unless you are seeking to over-extend yourself financially. Also, you should not ever be spending more than 28% on your home loan payments including insurance, primary mortage insurance, heating, cooling and maintaining your home. By doing this you will be able to build up considerable amounts of home equity. By keeping your debt to income ratio relatively low, you will also be able to have extra money left over at the end of each month to build financial wealth using your existing cash flow. For more information on cash flow and the importance of maintaining a positive cash flow, we highly recommend that you would consider checking out Robert Kiyosaki’s book entitled “Rich Dad, Poor Dad.” This book examines that life of Robert Kiyosaki who was raised by a college educated college professor who taught him certain financial principles that he now associates with being the ideas of a “Poor Dad” because his college educated Father was always struggling financially regardless of how much money he was actually making. Robert then explains how his friend’s father unveiled certain financial principles that allowed him to live as a “Rich Dad” to his friend despite the fact that he did not have a college degree. This book is very education and is written in a very easy to understand format that you would enjoy. Back to the verbage. If you are looking for a free rate quote to find the best mortgage rates for your unique situation as a Tulsa area buyer, then you will want to call ZFG mortgage today. During a typical day at the ZFG office you might here the following words and phrases shouted, discussed or spoken at the office: Tulsa mortgage lenders, mortgage tulsa brokers, Compare Tulsa, Oklahoma, mortgage lenders and brokers. Tulsa service directory of mortgage professionals, Current mortgage rates and quotes from multiple lenders in Tulsa, OK, Tulsa Home Mortgages, Tulsa Home. If you are growing tired of spending money and you are looking for innovated ways to save money by putting the low interest rates (currently avaiable) to work for your home and family, then you will want to give us a call today at ZFG mortgage of Tulsa at 1-877-205-7266. If you are at a point in your life where you want to use your home’s equity to support your lifestyle and various other financial endeavors that you are pursuing, then we would like to encourage you to call ZFG today to check out the possibility of obtaining a home equity line of credit through ZFG mortgage. Your monthly payment will be managable, and you will be able to pull much cash out of your existing home. If you would like to take advantage of our FREE refinancing tools and systems to figure out what the best time of refinance is best for you. Then you will need to call ZFG today (or tommorrow), we are flexible like a Russian Gymnast. If you are looking for a catchy phrase to say around the office, then we highly recommend that you would say, “Adnan is the man” because Adnan is the man, and because it is fun to say.

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Tulsa Mortgage Lenders Explain The Mortgage Lending Process

tulsamortgagelender — Wed, 17 Dec 2008 15:40:14 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Pre-Qualification

Pre-qualification starts the loan process. Once a lender has gathered information about a borrower’s income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.

In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. First, the borrower’s ability to repay the loan and, second, the borrower’s willingness to repay the loan.

Ability to repay the mortgage is verified by your current employment and total income. Generally speaking, mortgage companies prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few years.

The borrower’s willingness to repay is determined by examining how the property will be used. For instance, will you be living there or just renting it out? Willingness is also closely related to how you have fulfilled previous financial commitments, thus the emphasis on the Credit Report and/or your rental payment history.

It is important to remember that there are no rules carved in stone. Each applicant is handled on a case-by-case basis. So even if you come up a little short in one area, your stronger point could make up for the weak one. Mortgage companies could not stay in business if they did not generate loan business, so it is in everyone’s best interest to see that you qualify.

Mortgage Programs and Rates

To properly analyze a mortgage program, the borrower needs to think about how long he plans to keep the loan. If you plan to sell the house in a few years, an adjustable or balloon loan may make more sense. If you plan to keep the house for a longer period, a fixed loan may be more suitable.

With so many programs to from which to choose, each with different rates, points and fees, shopping for a loan can be time consuming and frustrating. An experienced mortgage professional can evaluate a borrower’s situation and recommend the most suitable mortgage program, thus allowing the borrower to make an informed decision.

The Application

The application is the true start of the loan process and usually occurs between days one and five of the start of the loan process. With the aid of a mortgage professional, the borrower completes the application and provides all Required Documentation.

The various fees and closing cost estimates will have been discussed while examining the many mortgage programs and these costs will be verified by the Good Faith Estimate (GFE) and a Truth-In-Lending Statement (TIL) which the borrower will receive within three days of the submission of the application to the lender.

Processing

Once the application has been submitted, the processing of the mortgage begins. The Processor orders the Credit Report, Appraisal and Title Report. The information on the application, such as bank deposits and payment histories, are then verified. Any credit derogatories, such as late payments, collections and/or judgments require a written explanation. The processor examines the Appraisal and Title Report checking for property issues that may require further investigation. The entire mortgage package is then put together for submission to the lender.

Required Documents

If you are purchasing or refinancing your home, and you are salaried, you will need to provide the past two-years W-2s and one month of pay-stubs: OR, if you are self-employed you will need to provide the past two-years tax returns. If you own rental property you will need to provide Rental Agreements and the past two-years’ tax returns. If you wish to speed up the approval process, you should also provide the past three months’ bank, stock and mutual fund account statements. Provide the most recent copies of any stock brokerage or IRA/401k accounts that you might have.

If you are requesting cash-out, you will need a “Use of Proceeds” letter of explanation. Provide a copy of the divorce decree if applicable. If you are not a US citizen, provide a copy of your green card (front and back), or if you are NOT a permanent resident provide your H-1 or L-1 visa.

If you are applying for a Home Equity Loan you will need, in addition to the above documents, to provide a copy of your first mortgage note and deed of trust. These items will normally be found in your mortgage closing documents.

Credit Reports

Most people applying for a home mortgage need not worry about the effects of their credit history during the mortgage process. However, you can be better prepared if you get a copy of your Credit Report before you apply for your mortgage. That way, you can take steps to correct any negatives before making your application.

A Credit Profile refers to a consumer credit file, which is made up of various consumer credit reporting agencies. It is a picture of how you paid back the companies you have borrowed money from, or how you have met other financial obligations. There are five categories of information on a credit profile:

Identifying Information
Employment Information
Credit Information
Public Record Information
Inquiries

NOT included on your credit profile is race, religion, health, driving record, criminal record, political preference, or income.

If you have had credit problems, be prepared to discuss them honestly with a mortgage professional who will assist you in writing your “Letter of Explanation.” Knowledgeable mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness, or other financial difficulties. If you had problems that have been corrected (reestablishment of credit), and your payments have been on time for a year or more, your credit may be considered satisfactory.

The mortgage industry tends to create its own language, and credit rating is no different. BC mortgage lending gets its name from the grading of one’s credit based on such things as payment history, amount of debt payments, bankruptcies, equity position, credit scores, etc. Credit scoring is a statistical method of assessing the credit risk of a mortgage application. The score looks at the following items: past delinquencies, derogatory payment behavior, current debt levels, length of credit history, types of credit and number of inquires.

By now, most people have heard of credit scoring. The most common score (now the most common terminology for credit scoring) is called the FICO score. This score was developed by Fair, Isaac & Company, Inc. for the three main credit Bureaus; Equifax (Beacon), Experian (formerly TRW), and Empirica (TransUnion).

FICO scores are simply repository scores meaning they ONLY consider the information contained in a person’s credit file. They DO NOT consider a person’s income, savings or down payment amount. Credit scores are based on five factors: 35% of the score is based on payment history, 30% on the amount owed, 15% on how long you have had credit, 10% percent on new credit being sought, and 10% on the types of credit you have. The scores are useful in directing applications to specific loan programs and to set levels of underwriting such as Streamline, Traditional or Second Review. However, they are not the final word regarding the type of program you will qualify for or your interest rate.

Many people in the mortgage business are skeptical about the accuracy of FICO scores. Scoring has only been an integral part of the mortgage process for the past few years (since 1999); however, the FICO scores have been used since the late 1950′s by retail merchants, credit card companies, insurance companies and banks for consumer lending. The data from large scoring projects, such as large mortgage portfolios, demonstrate their predictive quality and that the scores do work.

The following items are some of the ways that you can improve your credit score:

Pay your bills on time.
Keep Balances low on credit cards.
Limit your credit accounts to what you really need. Accounts that are no longer needed should be formally cancelled since zero balance accounts can still count against you.
Check that your credit report information is accurate.
Be conservative in applying for credit and make sure that your credit is only checked when necessary.

A borrower with a score of 680 and above is considered an A+ borrower. A loan with this score will be put through an “automated basic computerized underwriting” system and be completed within minutes. Borrowers in this category qualify for the lowest interest rates and their loan can close in a couple of days.

A score below 680 but above 620 may indicate underwriters will take a closer look in determining potential risk. Supplemental documentation may be required before final approval. Borrowers with this credit score may still obtain “A” pricing, but the loan may take several days longer to close.

Borrowers with credit scores below 620 are not normally locked into the best rate and terms offered. This loan type usually goes to “sub-prime” lenders. The loan terms and conditions are less attractive with these loan types and more time is needed to find the borrower the best rates.

All things being equal, when you have derogatory credit, all of the other aspects of the loan need to be in order. Equity, stability, income, documentation, assets, etc. play a larger role in the approval decision. Various combinations are allowed when determining your grade, but the worst-case scenario will push your grade to a lower credit grade. Late mortgage payments and Bankruptcies/Foreclosures are the most important. Credit patterns, such as a high number of recent inquiries or more than a few outstanding loans, may signal a problem. Since an indication of a “willingness to pay” is important, several late payments in the same time period is better than random lates.

Appraisal Basics

An appraisal of real estate is the valuation of the rights of ownership. The appraiser must define the rights to be appraised. The appraiser does not create value, the appraiser interprets the market to arrive at a value estimate. As the appraiser compiles data pertinent to a report, consideration must be given to the site and amenities as well as the physical condition of the property. Considerable research and collection of data must be completed prior to the appraiser arriving at a final opinion of value.

Using three common approaches, which are all derived from the market, derives the opinion, or estimate of value. The first approach to value is the COST APPROACH. This method derives what it would cost to replace the existing improvements as of the date of the appraisal, less any physical deterioration, functional obsolescence, and economic obsolescence. The second method is the COMPARISON APPROACH, which uses other “bench mark” properties (comps) of similar size, quality and location that have recently sold to determine value. The INCOME APPROACH is used in the appraisal of rental properties and has little use in the valuation of single family dwellings. This approach provides an objective estimate of what a prudent investor would pay based on the net income the property produces.

Underwriting

Once the processor has put together a complete package with all verifications and documentation, the file is sent to the lender. The underwriter is responsible for determining whether the package is deemed an acceptable loan. If more information is needed, the loan is put into “suspense” and the borrower is contacted to supply more information and/or documentation. If the loan is acceptable as submitted, the loan is put into an “approved” status.

Closing

Once the loan is approved, the file is transferred to the closing and funding department. The funding department notifies the broker and closing attorney of the approval and verifies broker and closing fees. The closing attorney then schedules a time for the borrower to sign the loan documentation.

At the closing the borrower should:

Bring a cashiers check for your down payment and closing costs if required. Personal checks are normally not accepted and if they are they will delay the closing until the check clears your bank.
Review the final loan documents. Make sure that the interest rate and loan terms are what you agreed upon. Also, verify that the names and address on the loan documents are accurate.
Sign the loan documents.
Bring identification and proof of insurance.

After the documents are signed, the closing attorney returns the documents to the lender who examines them and, if everything is in order, arranges for the funding of the loan. Once the loan has funded, the closing attorney arranges for the mortgage note and deed of trust to be recorded at the county recorders office. Once the mortgage has been recorded, the closing attorney then prints the final settlement costs on the HUD-1 Settlement Form. Final disbursements are then made.

Summation

A typical “A” mortgage transaction takes between 14-21 business days to complete. With new automated underwriting, this process speeds up greatly. Contact one of our experienced Loan Officers today to discuss your particular mortgage needs or Apply Online and a Loan Officer will promptly get back to you.

Loans, if you are looking for loans to buy your new house then you have come to the right place. At ZFG we have built a reputation based on honesty, integrity and getting your financial goals and needs addressed and met qith more speed than any other mortgage lender in the Tulsa area. At ZFG your lending experience will not revolved around you leaving tons of voice mails with a person who is completely unaware of your financial situation. At ZFG our team uses a unified database that helps us to understand the unique financial situations that you might be experiencing as you are out there seeking:; lender property, tulsa multi-family unit loans, bixby homes, jenks homes, broken arrow homes, banking solutions in tulsa, claremore homes, entertainment, homes for the sand people, sand springs homes, sapulpa homes, tulsa relocations, tulsa no documentation loans, tulsa stated income loans, tulsa NINA loans, tulsa debt consolidations services, real estate, local and nationwide customer service, land, jumo loans, jumbo shrimp in tulsa, electronic commerce, fixed low interest loans, tulsa bridge loans, tulas oklahoma loans, oklahoma, okla, business commercial loans, business loans to help you finance your commercials that are running on KTUL, limited documentation loans, cheap houses, house, residential, non-conforming loans, for sale, adjustable rate loans, tulsa remortgages, programs, lending that can make your financial goals happen, lending mutual fund, investments for tulsa area real estate buyers, locally owned tulsa based business, online buyers, buyer’s, arm, balloons, savings, owasso, bixby, jenks, broken arrow, coweta, football, OK, okla, okmulgee loans, properties, movies, loans in okmulgee, mortgage, interest only loans, NAR, Tulsa home builder associations, tulsa lease purchse, tulsa good schools, sports, news, the alf show, tulsa neighborhoods with sidewalks and trees, the american dream tulsa, news online, online news, online news source, EFT, good schools in broken arrow, good schools in bixby, good schools in glenpool, oklahoma area golf course neighborhoods, utica square area, tulsa leasings, checking accounts in oklahoma, oklahoma area, oklahoma institutions for the betterment of the banking society, tulsa natioanl association of realtors, tulsa MLS, OSU, MLS listings in the Tulsa area, union schools in the Tulsa area, bank vendor, tulsa realtors, houses for sales in tulsa, tulsa relocation services in oklahoma, condos, tulsa realtor association, tulsa zenith awards, tulsa national association of realtors, houses and realtors in tulsa, schools, houses tulsa, david hughes tulsa, adnan zfg tulsa, large jumbrotron televisions, local news, bank solutions, investing.

If you find yourself in a unique financial situation where your cash flow situation is good, Tulsa County, however you are having a hard time getting approved for a traditional loan then you might want to look into a stated income loan offered by ZFG mortgage of Tulsa, however we do also offer: debt consolidation loans, stocks, Home Mortgage Tulsa, Home Mortgages Tulsa, Tulsa Oklahoma mortgage lenders, mortgage options in Tulsa, homes,New Home Loan companies in Tulsa, lifestyle, Find breaking news, mortgage refinancing in Tulsa, Tulsa mortgage companies, health, remortgages in the Tulsa area, tulsa morgages, bad credit mortgages available now, buy to sublet, subletting your commercial properties, TU,college baseball, new home loan companies for new homes, tulsa model homes, tulsa mortgages tulsa oklahoma, nationwide lending processes in tulsa, real estate loans in tulsa, bad credit issues in Tulsa, Bad Credit in Tulsa, Oklahoma mortgage lenders, mls listings in Tulsa area, tulsa homes, 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If for some reason you still find yourself reading this section of the website we sincerely apologize, however we will work tirelessly to secure you the best possible rates in the Oklahoma mortgage business. Despite the news reports we do have access to millions of dollars of funds for private loans and for mortgages in the tulsa area, oklahoma mortgages in not just what we do, it is who we are. From our experience working in the industry we have discovered that local lending instutions are the best solutions for securing home loans. For most people home mortgages represent the largest purchases they will ever make, and thus we want to make sure that this decision is backed by financial resources that make sense for your unique needs and financial situations.

At Zeshu Financial we do currently offer: FHA, refinancing loans, credit repair, debt consolidation, construction loans, bridge loans, VA loans. Take a moment and make the call that connect you with the funding that you need to improve your overall quality of life. At ZFG financial we offer complete financial education and advisement services that serve as a practical way for you to learn about mutual funds, mortgages, ammorization schedules, tulsa money market accounts, life insurance policies, credit repair, commercial businss loan services, iras, lending institutions, tulsa mortgage brokers, entrepreneurship, tulsa business advisement, lending, tulsa new home construction, debt to income ratio and various things about Will Clark’s baseball career. If you are working on securing a home loan, you should use your home to eliminate the bad debts that are burdening your financially on a monthly basis. If you are working to put your kids through a higher education system using college funds that have been primarily earned through interest you have earned while investing passively in various financial vehicles that make sense, then you are not alone. Call ZFG mortgage today and we will show you how you can get the cash you need out of your house with our cash out loans. Online banks, online bill payment, high-interest credit cards are demons, high-interest credit card, oklahoma city loans, oklahoma city mortgages, oklahoma city loan rates, oklahoma city mortgage rating, oklahoma city certificate of deposit, oklahoma city loan, loans in okc, tulsa metro area, oklahoma city metro area, oklahoma city new homes and raw can sugar.

Listed Below Are Various Articles Relating To Tulsa Mortgages:

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Tulsa Mortgage Lender Shares Information About Securing A FHA Loan

tulsamortgagelender — Sat, 13 Dec 2008 17:37:20 +0000

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

At Zeshu Financial Group we want to help you understand how a FHA mortgage loan works. In all actuality the Federal Housing Administration (FHA) doesn’t loan any money, they insure it. This means that you’re considered to be a less risky borrower than someone who might not have the backing of the federal government. Our role is to make sure that you qualify for an FHA mortgage and structure our loan to reflect it.

The other pages in the FHA loan center can help you understand more about this unique program. Whether you’re trying to determine if you qualify or if you’re interested in finding out what kind of documentation you’ll need to ultimately get your loan, our site can provide you the information you’re seeking. Additionally we’re more than happy to take your phone calls at 918-812-9374.

An important resource for considering a FHA loan is the official Housing and Urban Development website. There you can find even more answers to questions and learn more about insuring your loan through the Federal Housing Administration.

At ZFG Mortgages we know that we have the best mortgage lending services available in Tulsa today. Thus, to help get our products and services in front of more and more customers like you we have put together a compilation of the following search terms that our customers have indicated that they typically use to find our products and services.

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