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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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How the Government Shutdown Could Affect Home Loans in Oklahoma

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The current federal government shutdown may cause temporary delays in certain mortgage programs, especially those backed by federal agencies. At Oklahoma Mortgage Group , we’re focused on helping homebuyers and real estate partners understand what this means and how to stay on track toward closing. FHA and VA Loans These programs continue to operate, but because they rely on federal staff for certain approvals, buyers may experience longer processing times or slower response from government offices. USDA Loans New USDA loan commitments and guarantees are on hold until the government resumes full operations. Homebuyers using USDA financing will need to wait for agency approval before closing. Conventional Loans Loans through Fannie Mae and Freddie Mac are not directly impacted and continue to move forward as usual. Flood Insurance The National Flood Insurance Program (NFIP) cannot issue new or renewal policies during the shutdown. Buyers purchasing in a flood zone should secure ...
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Location: Tulsa, OK, USA
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Tulsa Homebuyers Gain More Options with New $819,000 Conventional Loan Limit

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  There’s exciting news for both realtors and homebuyers in the Tulsa area: the conventional loan limit has just increased to $819,000 (up from $806,500). This change applies to new locks with funding dates on or after September 24, 2025 . What This Means for Buyers If you’re shopping for a home in Tulsa, Bixby, Jenks, or Broken Arrow, this increase gives you more buying power . You can now consider homes in a higher price range while still staying within conventional financing guidelines. That means you’ll avoid the stricter requirements of jumbo loans and keep the benefits of conventional financing, such as competitive interest rates, easier qualification, and more flexibility. What This Means for Realtors For realtors, this loan limit increase is a valuable tool in guiding clients. Buyers who may have been capped by the old $806,500 limit can now explore more homes that fit their needs. This is especially important in today’s market, where prices can easily cross that threshold...
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Location: Tulsa, OK, USA
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Homeowners Are 43 Times Wealthier Than Renters

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According to the Federal Reserve Survey of Consumer Finances, the typical U.S. homeowner has a net worth of $430,000 , while the average renter has just $10,000 . That means homeowners are, on average, 43 times wealthier than renters . Why the gap? ✅ Home price appreciation has boosted homeowner wealth over the last 5 years. ✅ Equity growth gives families the ability to move up to larger or more desirable homes. ✅ Renters simply don’t benefit from these wealth-building opportunities. At Oklahoma Mortgage Group in Tulsa , we see this every day. Homeownership doesn’t just provide a roof over your head—it’s one of the most reliable paths to financial security. Whether you’re a first-time homebuyer or ready to upgrade, our team can guide you through the mortgage process to help you build long-term wealth. If you’ve been thinking about buying in Tulsa, Jenks, Bixby, or Broken Arrow, now’s the time to explore your options. Contact Oklahoma Mortgage Group, your trusted Tulsa mortgage l...
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Location: Tulsa, OK, USA
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Stillwater & Pryor Chosen for Google’s Next Big Investment

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  Big news for Oklahoma: Google is investing $9 billion over the next two years to expand its AI and cloud infrastructure. That includes a brand-new data center in Stillwater and major growth at the existing facility in Pryor. Here’s why it matters: Jobs & economic growth — Hundreds of new construction and permanent roles are expected, boosting local economies. Education & innovation — Google is partnering with OU and OSU to provide students with access to AI tools, training, and certifications, preparing the next generation of tech talent. Community impact — Local leaders are calling this one of the most transformative projects for Oklahoma, with long-term benefits for business, infrastructure, and quality of life. Oklahoma continues to attract national attention for its role in technology and innovation. With this kind of investment, the future of Stillwater, Pryor, and surrounding communities looks brighter than ever. Interested in relocating to Oklahoma...
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Location: Tulsa, OK, USA
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No Money Down on Manufactured Homes

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  Did you know you can buy a manufactured home with no money down using the USDA loan program ? USDA loans aren’t just for farmhouses. Many buyers in eligible rural and suburban areas can qualify for this no-down-payment mortgage option. That means affordable homeownership could be closer than you think. At Oklahoma Mortgage Group, we’ll walk you through eligibility, help you understand the guidelines, and see if this program is the right fit for you. Homeownership is within reach — and you may not need a down payment to get there. Want to explore your options? Call or text us today at 918-361-1550, or set up a quick phone chat with our team to talk about USDA loans and manufactured home financing.
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Location: Tulsa, OK, USA
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Why Waiting for Lower Mortgage Rates Could Cost Tulsa Buyers More

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Everyone’s waiting for mortgage rates to fall, and according to NAR, the “magic number” many buyers are hoping for is 6%. But will we see that anytime soon? Most forecasts show rates staying in the mid-to-low sixes through the end of next year. Still, right after the latest weaker-than-expected jobs report, rates dipped to 6.55% — the lowest point this year. That gave buyers and realtors hope that small changes may be on the way, but experts don’t expect a major drop in the near term. Here’s what matters: when rates eventually hit 6%, it could unlock 5.5 million more buyers. That means waiting could also mean facing far more competition and less negotiating power. If buying now works for your budget, moving sooner rather than later could give you an advantage before the market heats up again. Want to talk about your options and run the numbers together? Schedule a quick phone chat with us , or call/text Oklahoma Mortgage Group at 918-361-1550 today to discuss your next best steps.
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Location: Tulsa, OK, USA
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