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OHFA Expands Teacher Program in Oklahoma

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If you work for a school in Oklahoma, homeownership just became more accessible. The Oklahoma Housing Finance Agency has expanded its OHFA Teacher Program, opening eligibility to many more school employees across the state. The program no longer requires a teacher certification. What changed? Any employee of an Oklahoma accredited public school or private or parochial school may now qualify using a paystub. Who may be eligible? This includes a wide range of school staff, such as: School counselors Administrative and office staff Paraprofessionals Cafeteria workers Custodians and maintenance staff Other support personnel Current program highlights As of today, the OHFA Teacher Program offers: A discounted interest rate of 5.375% 3.5% down payment assistance for qualified buyers Why this matters With lower rates and built-in down payment assistance, this program can significantly improve affordability for school employees who serve Oklahoma communitie...
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Fed Cuts Rates Again – What It Means for Oklahoma Homebuyers

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The Federal Reserve just announced another 0.25% rate cut , and if you’re thinking about buying a home in Oklahoma, you’re probably wondering what that means for your mortgage rate and monthly payment. At Oklahoma Mortgage Group , we’ve been walking our clients and realtor partners through what this actually means in real life—not just on Wall Street. Does a Fed Rate Cut Mean Lower Mortgage Rates? Not automatically. The Fed controls the Fed Funds Rate , which directly impacts short-term rates like credit cards, auto loans, and home equity lines of credit. Longer-term fixed mortgage rates , like the 30-year conventional loan most Oklahoma buyers use, are more influenced by: Inflation data Jobs reports Bond market expectations (especially the 10-year Treasury) So while a Fed cut can help create a friendlier rate environment over time, it doesn’t guarantee your 30-year mortgage rate will drop right away. Why Waiting for the “Perfect Rate” Can Backfire Many buyers say, ...
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Location: Tulsa, OK, USA
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2026 Conforming Loan Limit Increases

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The Federal Housing Finance Agency (FHFA) has announced the new 2026 conventional conforming loan limit , and it brings a major advantage to homebuyers in Tulsa and across Oklahoma. The loan limit for a one-unit single-family home is now $832,750 , an increase of more than $25,000 from last year. For buyers, this means greater purchasing power without needing a jumbo loan. Jumbo loans remain a great option for higher-budget buyers, but they typically require larger down payments, stronger credit, and more documentation. With the higher conforming loan limit, more Tulsa homebuyers can stay in the conventional category—often resulting in smoother approvals, lower mortgage insurance, and more affordable payment options. Why This Matters in the Tulsa Market As home prices continue to rise in Tulsa, Bixby, Jenks, Broken Arrow, and the surrounding Oklahoma communities, this increased limit allows buyers to finance higher-priced homes using a conventional loan instead of jumping straight i...
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Location: Tulsa, OK, USA
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The VA Home Loan Advantage

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  For Veterans, active-duty service members, and military spouses, the VA home loan program remains one of the most valuable benefits ever created. Yet many never use it. According to Veterans United, 70% of Veterans don’t realize they may qualify for a $0-down VA home loan . For Tulsa families, this can mean missing out on thousands in savings and a faster path to homeownership. Why VA Loans Are a Smart Option for Tulsa Homebuyers For nearly eight decades, VA loans have helped millions purchase homes with flexible guidelines and significant financial advantages. Key benefits include: 1. $0 Down Payment Many eligible buyers can purchase a home in Tulsa without saving for a down payment, making homeownership more attainable. 2. Lower Upfront Costs The VA limits the types of closing costs Veterans can be charged, helping preserve your cash for moving expenses, updates, or savings. 3. No Private Mortgage Insurance (PMI) Unlike conventional or FHA loans, VA loans do not require...
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Location: Tulsa, OK, USA
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Debunking the 50-Year Mortgage

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Now that the federal government has reopened, the Federal Housing Finance Agency (FHFA) and the current administration have reignited discussions around reforming the GSEs (Fannie Mae and Freddie Mac). Over the weekend, the administration publicly floated the idea of introducing a 50-year fixed-rate mortgage , calling it a potential “game-changer.” This proposal signals a bold departure from the traditional 30-year mortgage model, and a willingness to re-engineer one of the most foundational elements of the U.S. housing finance system in the name of affordability and access. But does it really solve affordability? Let’s break it down. The Concept: Stretching the Term to “Fix” Affordability Strategically, a 50-year mortgage would aim to lower monthly payments and make homeownership appear more accessible for younger and lower-income buyers. Rather than relaxing credit standards or offering subsidies, the administration seems to be exploring loan structure innovation as a new affo...
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Location: Tulsa, OK, USA
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Celebrating Tulsa’s Realtors: GTAR Event!

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  At Oklahoma Mortgage Group , we believe Tulsa’s real estate professionals are the heartbeat of our community. As a Tulsa mortgage lender , we see every day how dedicated realtors work tirelessly to guide families through one of life’s biggest milestones — buying a home. That’s why we were thrilled to join the GTAR Realtor Appreciation Event and celebrate all the amazing agents who make Tulsa real estate shine. Appreciating Tulsa’s Best Realtors The GTAR Realtor Appreciation event was all about connection, gratitude, and fun. We loved being part of a day focused on saying thank you to the people who make the home-buying journey smoother and more meaningful. From first-time buyers to luxury listings, Tulsa realtors go above and beyond to serve their clients — and we’re proud to work alongside them every step of the way. Our Commitment to Tulsa Homebuyers As Tulsa’s best mortgage lender , our mission goes beyond providing great rates and loan options. We’re passionate about ed...
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Location: Tulsa, OK, USA
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2026 Housing Market Outlook: Why Tulsa and Oklahoma Buyers Should Feel Optimistic

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After a few years where the housing market felt like it was stuck in neutral, 2026 could be the year Oklahoma real estate shifts back into gear . Across Tulsa, Bixby, Broken Arrow, and beyond, more families are expected to make a move as affordability begins to improve. More Homes Will Sell Experts predict an increase in home sales in 2026 as both buyers and sellers start to feel more confident. After several years of limited activity, this renewed momentum could open the door for you to buy or sell with stronger market conditions. Mortgage Rates Could Ease After peaking near 7% earlier this year, mortgage rates are expected to gradually decline into the low 6s or even high 5s, according to Fannie Mae, MBA, and Wells Fargo forecasts. Even a small dip can mean hundreds in monthly savings for Oklahoma buyers. Home Prices Will Rise at a Sustainable Pace Instead of the rapid price jumps we saw in past years, projections show more balanced growth — averaging around 2–4% nationwide. L...
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