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Conventional

Conventional Loans

Conventional loans are not backed by a government agency, which means more flexibility in terms, property types, and loan amounts. For buyers with solid credit and stable income, conventional loans often offer the most competitive rates.

  • Down payment as low as 3% for qualifying first-time buyers
  • Fixed-rate terms from 10, 15, 20, or 30 years
  • PMI removable once you reach 20% equity
  • Available for primary residences, second homes, and investment properties
  • Flexible guidelines on property condition
Talk to a Loan Officer
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VA Loans

VA Loans

VA loans are one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI, and competitive rates — because you've earned it.

  • 0% down payment — no down payment required
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • No prepayment penalties
  • Available for purchase, refinance, and cash-out
  • Surviving spouses of service members may be eligible
Check Your Eligibility
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FHA Loans

FHA Loans

FHA loans are insured by the Federal Housing Administration and are designed to help more people achieve homeownership — especially first-time buyers who are still building their credit profile or savings.

  • Down payment as low as 3.5% with a 580+ credit score
  • More flexible debt-to-income ratios than conventional loans
  • Gift funds from family accepted for down payment
  • Competitive rates for buyers with limited credit history
  • Streamline refinance option for existing FHA borrowers
See If You Qualify
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USDA Loans

USDA Loans

USDA loans offer 100% financing for eligible properties in designated rural and suburban areas — which includes many communities in and around the Edmond and OKC metro. If your area qualifies, this is one of the best-kept secrets in home financing.

  • 0% down payment — 100% financing for eligible areas
  • Competitive fixed interest rates
  • Lower mortgage insurance costs vs. FHA
  • Many suburban areas around Edmond and OKC qualify
  • Income limits apply — program targets low-to-moderate income buyers
Check Area Eligibility
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Jumbo Loans

Jumbo Loans

When your home purchase exceeds conventional loan limits, a jumbo loan provides the financing you need. As an independent broker, we have access to multiple wholesale lenders offering competitive jumbo products — with personalized underwriting for your situation.

  • Loan amounts above conventional conforming limits
  • Fixed and adjustable rate options
  • Competitive rates through our wholesale lender network
  • Available for primary residences and second homes
  • Personalized underwriting — not a one-size-fits-all checklist
Discuss Your Options
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Refinance

Refinance

Whether you want to lower your monthly payment, shorten your loan term, switch from an ARM to a fixed rate, or access your home's equity, we'll find the refinance product that actually makes financial sense — not just the one that's easiest to sell.

  • Rate-and-term refinance to lower your rate or change your term
  • Cash-out refinance to access your home's equity
  • FHA Streamline for existing FHA borrowers — reduced documentation
  • VA IRRRL (Interest Rate Reduction Refinance Loan) for veterans
  • We run the numbers honestly — if it doesn't save you money, we'll tell you
Get a Refinance Analysis

The Four Steps of the Loan Process

Getting a mortgage is a big undertaking — but Price Mortgage Group does the heavy lifting so you can focus on your life, not the paperwork.

1

Decide on Your Loan Amount

Two factors shape this: how much monthly payment you can afford, and how much a lender will approve based on your income and credit. We'll walk you through both — no obligation.

2

Pre-Qualify for Your Loan

You provide employment, asset, and residence history. We run your credit and deliver a pre-qualification letter — a powerful tool that gives you real buying clout when your REALTOR® negotiates your offer.

3

Apply & Get an Appraisal

Once your offer is accepted, complete the full loan application — you can do it right here online. We'll order the appraisal and handle the paperwork while you focus on moving plans.

4

Your Loan Funds & You Close

A title/escrow company handles the closing. We coordinate everything on our end so you just show up, sign, and get the keys. You answered a few questions — and now you're moving in.

Questions about the process? Call us at (405) 513-7700 — we answer these questions every day.

Not Sure Which Program Is Right for You?

That's exactly what we're here for. Tell us about your situation and we'll walk you through the options — no pressure, no obligation.