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January 2026 Update: No Rate Change from Fed

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The Federal Reserve wrapped up its January 2026 meeting with no change to the Fed Funds rate , keeping it in the current range of 3.50%–3.75% . While there has been plenty of public pressure on the Fed to lower rates, today’s decision was not a surprise to the market. In fact, this marks a pause after a series of recent rate cuts and reflects the Fed’s “wait and see” approach as it evaluates where the economy goes next. Why Didn’t the Fed Cut Rates? The Fed has two primary goals: Keep inflation under control Maintain a healthy job market To justify additional rate cuts, the Fed needs to see one of two things: A noticeable slowdown in the job market, or Inflation moving convincingly closer to its 2% target At the moment, neither of these conditions is strong enough to warrant another cut. Employment remains relatively stable, and inflation is easing, but not yet at the level the Fed wants to see. When Could Rates Start Coming Down Again? Current market expectation...
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Should I Wait to Buy a Home?

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  “Should I wait?” It’s the most common question buyers are asking right now, and for good reason. Mortgage rates have been moving, headlines are noisy, and buyers don’t want to make the wrong move. But when you look past the headlines, the market is quietly shifting in ways that can actually benefit prepared buyers. Mortgage rates are currently near a three-year low , even with some short-term ups and downs. At the same time, many markets are seeing improved inventory, less buyer frenzy, and more opportunity to make thoughtful decisions instead of rushed ones. This doesn’t mean every buyer should jump in immediately. It means the conversation should shift from “waiting for the perfect rate” to “building the right strategy.” In today’s market, buyers who win are the ones who: • Understand their numbers • Know their loan options • Are ready when the right home appears Timing the market perfectly is nearly impossible. Positioning yourself correctly is not. If you or your clien...
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Location: Tulsa, OK, USA
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Reflecting on 2025 and Looking Ahead

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As we step into 2026, we’re taking a moment to reflect on what an incredible year 2025 was for Oklahoma Mortgage Group and the families we were honored to serve across the Tulsa metro. Last year, our team helped 258 families achieve homeownership and funded over $72 million in home loans . Behind those numbers are first-time homebuyers, growing families, move-up buyers, relocations, refinances, and fresh starts, each with a unique story and goal. More Than Just Numbers While we’re proud of the milestones we reached in 2025, what matters most to us is how we reached them. Every loan represents trust; trust in our advice, our process, and our commitment to doing what’s right for each client. As a local Tulsa mortgage lender , we believe in educating buyers, clearly explaining options, and structuring loans that support both short-term affordability and long-term financial health. Whether a client is buying their first home or their fifth, our approach remains the same: people firs...
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Location: Tulsa, OK, USA
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How to Get Up to $10,000 Toward Your Home Purchase

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  New for 2026: $10,000 Down Payment Assistance Now Available for Homebuyers One of the biggest obstacles to buying a home is coming up with the upfront cash. For 2026, there is good news for Tulsa and Oklahoma homebuyers. The Downpayment Plus® Program is officially live for 2026 and offers up to $10,000 in down payment assistance to eligible buyers. This program is provided through the Federal Home Loan Bank of Chicago and is designed to help buyers purchase a primary residence with less money out of pocket. Even better, this program can be combined with OHFA (Oklahoma Housing Finance Agency) programs , creating powerful options for buyers who need additional assistance. How the Downpayment Plus® Program Works The Downpayment Plus® Program provides a grant that can be used toward down payment and or closing costs . When combined with the right loan program, it can significantly reduce the amount of cash a buyer needs at closing. Key program highlights include: • Up to $10,000 ...
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Location: Tulsa, OK, USA
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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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Location: Tulsa, OK, USA
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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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