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More Approvals, Fewer Roadblocks

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The mortgage industry is entering a new credit scoring era. FHFA announced that Fannie Mae, Freddie Mac, and FHA are moving forward with newer credit score models, including VantageScore 4.0 and FICO 10T. VantageScore 4.0 is available immediately for approved lenders, while FICO 10T is expected to follow. Why This Matters For years, mortgage lending has relied heavily on Classic FICO. That model is still approved, but newer models create more competition and may give lenders a better way to evaluate creditworthiness. FHFA says these newer models can consider additional data, including rent payment history. That could be especially important for renters who pay consistently but have limited traditional credit depth. What Could Change Over time, this may help expand the borrower pool. Some buyers who did not score well under older models may be viewed differently under newer credit frameworks. It may also create more competition among credit score providers, which could help reduce credi...
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Top 1% Loan Originator Honor

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  I’m proud to share that I’ve been named to Mortgage Executive Magazine’s Top 1% Mortgage Originators in America for 2025. This recognition represents more than production, it reflects consistency, communication, and trust built over time with clients and partners. What This Means for Buyers If you’re planning to purchase a home, the lender you choose matters. A strong mortgage process helps you: Understand your numbers upfront Submit competitive offers with confidence Avoid surprises during underwriting Clear communication and a well structured pre-approval can make a real difference, especially in a competitive market. What This Means for Agents For real estate professionals, a reliable lender helps protect your deals and your reputation. That includes: Fast, accurate pre-approvals Proactive updates throughout the transaction Problem solving before issues impact closing The goal is simple, keep the process moving and reduce stress for everyone involved. Local Focus Matters As a ...
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Location: Tulsa, OK, USA
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VA Gets Easier

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  VA appraisal issues have been a common concern for buyers, sellers, and real estate agents. Effective May 1, 2026, VA updated its Minimum Property Requirements to make the process more practical. What Changed? VA is now focusing more clearly on safety, structural soundness, and sanitation. Key changes include: • Detached sheds and fences may not automatically require repairs • Peeling paint on post-1978 homes may be considered cosmetic • Certain radon certification requirements for new homes were removed Why Agents Should Care This could mean fewer minor repair delays and smoother closings for VA buyers. It also gives agents a better way to explain VA offers to sellers. A VA loan does not have to mean a difficult transaction. Good News for Buyers Eligible veterans and active-duty buyers may now have more flexibility when shopping for homes. VA home loans are still subject to appraisal and lender review, but these updates may help more homes qualify without unnecessary repair cond...
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Location: Tulsa, OK, USA
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Bixby Leadership Recognition

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The recent Leadership Excellence Awards Luncheon in Bixby brought together a powerful group of community leaders, business owners, elected officials, and local advocates for an afternoon centered on connection, celebration, and shared vision. The event recognizes individuals who are making a meaningful impact in Bixby—those who lead with purpose, serve with integrity, and contribute to the continued growth of the community. Among this year’s honorees, Mike David was awarded Outstanding Leader for his role on the Bixby City Council. This recognition highlights his ongoing commitment to thoughtful leadership, strategic growth, and serving the residents of Bixby with intention and care. As Bixby continues to grow, leadership like this plays a key role in shaping the city’s future—balancing development, infrastructure, and community values. Events like the Leadership Excellence Awards Luncheon serve as a reminder that progress is driven by people who are willing to step up, collaborat...
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Location: Tulsa, OK, USA
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Rates Hold Again: What Now?

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The Federal Reserve announced no change to the Fed funds rate at its April 2026 meeting, keeping the benchmark rate between 3.50% and 3.75% . This marks the third consecutive meeting without a rate cut. While many entered 2026 expecting rate relief, global economic pressures, particularly elevated oil prices, are keeping inflation persistent and delaying those anticipated cuts. Why Rates Aren’t Dropping Yet Several key factors are influencing today’s rate environment: • Oil prices remain above $100/barrel , fueling inflation • Ongoing geopolitical tensions are creating uncertainty • The economy is showing resilience , not weakness • The job market remains stable, with no major contraction Because of this, the Fed is taking a cautious approach before making any moves toward rate cuts. What This Means for Mortgage Rates Mortgage rates don’t directly follow the Fed funds rate, but they are heavily influenced by: • Inflation trends • Market expectations • Investor behavior R...
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Location: Tulsa, OK, USA
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Grand Opening Celebration Recap

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We want to take a moment to say thank you. Our grand opening at our new Oklahoma Mortgage Group / Waterstone Mortgage Tulsa building was such a meaningful milestone for our team, and we are incredibly grateful to everyone who came out to celebrate with us. There was something special about opening our doors and welcoming in the clients, real estate partners, and friends who have supported us throughout the years. This new space represents so much more than a new location — it reflects growth, hard work, and the relationships that have made it all possible. We don’t take that lightly. Being able to build and grow here in Tulsa, serve families through the home buying process, and partner with so many incredible people in this community is something we are truly thankful for. We feel incredibly blessed to be in this position and excited for what’s ahead. As a Tulsa mortgage lender, our goal has always been to serve well, build lasting relationships, and continue improving in everythi...
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Location: Tulsa, OK, USA
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VA Loans: What Veterans Don’t Know

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  Many Oklahoma Veterans Are Missing This Opportunity VA home loans are one of the most powerful tools available for homebuyers—but many veterans in Tulsa and across Oklahoma don’t fully understand how they work or if they qualify. A recent survey revealed a major gap in awareness: Over 50% of veterans have at least one misconception about VA loans 30% aren’t even sure if they’re eligible Many still believe VA loans require a down payment or private mortgage insurance (PMI)—which they don’t This lack of clarity is causing many qualified buyers to miss out on homeownership opportunities. What Makes VA Loans So Powerful? VA loans were designed to help military members, veterans, and eligible spouses purchase homes with more favorable terms than traditional financing. Here’s what sets them apart: 100% Financing – No down payment required No PMI – Lower monthly payments compared to conventional loans Competitive Interest Rates – Often better than traditional loa...
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Location: Tulsa, OK, USA
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