When you’re buying a house, the most important thing you’ll do after choosing a home is to find a suitable mortgage lender. It’s not always easy to get a mortgage until you know the process and meet the required eligibility criteria.
Applying for a mortgage can be a rather complex and frustrating process, and most people don’t know what to expect. So, if you are feeling lost about where to start your mortgage process, PierPoint Mortgage is here to assist.
Our team will guide you throughout the mortgage process, from application to closing. We are the leading mortgage company in Tulsa with an extensive track record of assisting clients as per their needs. You can trust our mortgage professionals to make your home loan process smooth and hassle-free.
Apply online and get a personalized mortgage loan today!
Types of Loan Products We Offer
At PierPoint Mortgage, we offer more than just traditional mortgages, including:
Conventional Loans for New Home Purchases
Refinancing an Existing Mortgage
USDA Rural Development Loans
Home Equity Loans
Our loan officers will explain the whole process in detail and clarify any doubts you may have. So, no matter your home-buying goals, our experienced mortgage brokers in Tulsa have got you covered!
What are the Basic Steps to Apply for a Mortgage Loan in Tulsa, OK?
When applying for a mortgage loan, the loan process may vary slightly from lender to lender. However, the basic steps usually include:
Selecting the Loan
First-time homebuyers may not be well-versed in the available mortgage options. Therefore, hiring a professional mortgage company can be highly beneficial.
Our experienced mortgage brokers will not only help you with the home loan process but also assist you in choosing the right loan.
Before putting in your mortgage application, you should consider getting pre-approved by a trusted lender. It is a crucial step as it helps applicants know their loan eligibility, get an estimate, and strengthen their approval chances.
After getting pre-approval for a mortgage and extending your offer, it’s time to get started with your mortgage application. For this, you don’t have to go through any hassle.
Simply fill out our online application form and wait for the assessment. If you have any questions regarding the application process, we can help you connect with an experienced mortgage loan originator today!
During the loan assessment, lenders usually require applicants to submit the relevant documents supporting their application. You also need to upload essential documents such as state-issued photo ID, income proof, credit history, etc.
You can also use our online mortgage calculator to get a potential estimate of the mortgage amount and monthly installments before submitting your loan request.
Approval and Closing
If you fulfill the mortgage lender’s specified credit criteria, you will receive the loan approval along with the loan document. It will contain all the terms and conditions of the mortgage.
Make sure to carefully read and agree with the contract before signing it and sending it back to the lenders. Once everything is finalized, you will be a proud homeowner after paying the down payment and closing costs.
If you want to buy your dream home in Tulsa, OK, don’t delay it for long. Reach out to our mortgage experts and explore our mortgage loan programs today!
The Pre-approval Process
If you want to speed up your home-buying process by getting fast loan approval, you should consider getting pre-approved by a trusted lender. The pre-approval may usually take a few days to over a week.
At our mortgage company, Tulsa, you can easily get pre-approved by following a few simple steps:
Get Your Credit Score Checked
Provide documentation (i.e. Proof of income, Proof of assets, Debt-to-income ratio)
Obtain a loan estimate
Get your preapproval letter
Is a Good Credit Score Necessary to Get Pre-approval for a Mortgage Loan in Tulsa, OK?
You need a couple of things to get pre-approved, and a good credit score is at the top of the list, especially if you are seeking a conventional loan.
Most financial institutions providing mortgages usually require a high credit score for loan approval. However, there are other loan options where a lower credit score might be accepted.
For example, at PierPoint Mortgage, you can find customized mortgage solutions, including FHA loans, which may generally accept a slightly lower-than-ideal credit score. This is what makes us one of the most trusted mortgage companies, Tulsa. However, you can also attempt to increase your credit rating if it is only short by a few points.
If your financial situation is less than ideal, here are a few easy ways to boost your credit rating and increase your chances of getting approved for a mortgage loan.
Pay all your bills on/before the due date
Build a history of payments without defaulting/late payments
Make sure to pay your credit card payments timely
Minimize your spending to limit the credit utilization rate
Have an alternative income source
A better credit score can help you secure a better mortgage. Thus, you can consider consulting with our top mortgage lenders, Tulsa to assist you throughout each phase of the application process. In addition, we can also help devise efficient strategies to improve your credit by analyzing your detailed credit history.
So, when you are looking for a home loan and a mortgage broker in Oklahoma that can accommodate your particular borrowing needs, PierPoint Mortgage is your one-stop destination.
Looking for A Mortgage in Tulsa, OK?
Everyone has a dream home that they want to live in one day. Thus, people spend a lot of time finding the perfect place. However, a lack of mortgage planning can become a problem in your path. In that case, you can make your home-buying process smooth with our licensed and experienced mortgage brokers, Tulsa by your side.
If you want to make your dream of home ownership a reality, consult PierPoint Mortgage, one of the most reliable mortgage companies in Tulsa, today!
When I needed mortgage advice, I reached out to their mortgage advisor. Their guidance was invaluable, and they helped me navigate the complex world of mortgages with ease.
05:28 27 May 23
It was so great to work with a company that was able to provide me with such a broad range of options for my mortgage. The finance brokers took the time to understand my needs and found the perfect solution for me.
09:54 06 Dec 22
I was new to the whole mortgage process and wasn't sure what I was doing. But, the mortgage advisors helped me out every step of the way and made sure that I was happy with their services. They answered all of my questions and helped me get a great mortgage. I would recommend them to anyone who is looking for a mortgage advisor.
Theresa D. Whiteside
05:49 27 Oct 22
The simple loan process and friendly staff. Thank you so much for your help in getting me the best loan for my family's needs. Interest rates were really good. A must-hire service!
10:58 13 Oct 22
They always kept me updated about the whole conventional loan process. They even returned my calls timely so that I don’t face any loss. The interest rate that they provided was quite good. Better customer service experience. Thanks for your help!
07:09 13 Oct 22
My mortgage application was handled by PierPoint Mortgage from the very beginning. With their assistance, I was able to purchase my ideal home. They provided truly excellent guidance and processing. They made my dream come reality, and for that I am really appreciative.
05:04 11 Oct 22
You individuals in the mortgage industry are very fantastic. I can't express my gratitude to you enough for helping us obtain our mortgage. Throughout this process, I was really pleased with the service, responsiveness, and attention to detail. The representative from your company's side was just outstanding because they were able to secure the lowest mortgage rates for us.
04:15 11 Oct 22
They were excellent, and we used them to obtain our mortgage.
05:47 03 Oct 22
I just got my mortgage via Pierpoint and I was very impressed with how professional they were. They offered a great number of options and the rates are very competitive. They even helped me find a home that I absolutely love! The process was very smooth and I didn't have to worry about anything because they were there to make sure it went through smoothly.
11:44 12 Sep 22
One can be certain that this mortgage company will not deceive you and steal all of your money. I had a positive experience with them, which is why I recommend their services to everyone.
01:46 19 May 22
I needed money in a hurry, so I went online and found a company that lent money quickly. I applied and received the funds I required without difficulty. Thank you for your assistance!
09:24 19 Apr 22
This is the second time I've applied for a home loan with the help of these mortgage lenders. With them, I've always had a good time. Thank you so much, guys, for your fantastic service!
Roy J. Thompson
05:27 10 Sep 21
That was an awesome processing job. A dedicated loan officer was assigned to each phase instead of one busy loan officer. The home loan process went smoothly for me.
11:43 11 Aug 21
The whole process from general inquiry to mortgage application was a quick process and clear process. Shannon clearly explained the mortgage process and my options and made all the jargon for a first buyer easy and straight forward to understand. I also really liked how well Shannon kept me up to date with the progress of the application. I would highly recommend this amazing free service PierPoint Mortgage provides!
13:30 12 Nov 19
We found our best deal with PierPoint Mortgage. Thanks to Shannon. Recommended!
10:27 06 Nov 19
Professional team and Shannon is a best agent I have so far worked in this business. Overall a great experience with Pierpoint Mortgage.
13:36 05 Nov 19
Hassle-free, professional and friendly. Shannon from PierPoint Mortgage was a great guide, highly cooperative, enormously kind and remarkably spontaneous...Wish I'd done all my mortgages through PierPoint Mortgage!
09:24 28 Oct 19
Shannon and his team were just the best. I cant tell you how many times i had called with questions that, in retrospect, i could have just looked up myself, but they were always so friendly and eager to give me more than enough info on each question i had. Plus, it was so cool that the owner of the freaking company helped me with my mortgage! I am def. going to refer them to anyone i know who needs a pr-apporoval
14:44 23 Aug 19
Shannon was an amazing Loan Officer. I would definitely recommend him to anyone looking to buy a house. He is easy to get a hold of and very friendly.
19:35 30 Jan 19
Great communication and they are super straightforward with you. My loan closed on time! Thank you PierPoint Mortgage
20:35 28 Jan 19
Thank you Shannon at PierPoint Mortgage for helping us get our home loan. We are very pleased with the service we were provided and would definitely recommend Shannon to anyone in the market to buy a house.
20:21 28 Jan 19
Shannon made buying our first home very simple and stress free! The mortgage loan closed within just a few weeks and we are already moved in! Thank you so much to Shannon and his hard-working team.
19:58 23 Jan 19
I am so thankful for PierPoint Mortgage. We finished refinancing right before the holidays, best decision we have every made!
19:55 17 Jan 19
Shannon is a great loan officer! He was with me every step of the way and got everything processed quick. I am so lucky to have had a loyal person by my side throughout the purchase of my new home.
20:01 16 Jan 19
Have Some Questions?
We Are Always Here To help!
What is the current mortgage rate in Tulsa?
The current mortgage rate in Tulsa varies but is generally between 3.25% to 4%. It’s best to check with the lenders at PierPoint Mortgage for more information.
How much is the average mortgage in Oklahoma?
There is no specific rate one can find for the average mortgage. However, Pierpoint mortgage provides the best mortgage loans with the best competitive interest rates.
What is the easiest type of mortgage to get approved for?
FHA loans are typically the easiest type of mortgage to get approved for, as they require a lower credit score and down payment.
How do I qualify for a mortgage in Oklahoma?
To qualify for a mortgage in Oklahoma, you’ll need to have a stable income, good credit, and enough money for a down payment and closing costs.
Who generally has best mortgage rates?
Credit unions and smaller banks tend to offer the best mortgage rates, but it’s always a good idea to shop around and compare offers.
How do you know if a mortgage is reputable?
A reputable mortgage should have transparent terms, no hidden fees, and be offered by a licensed and accredited lender.
We Are Here To Help You
Our Tulsa, Oklahoma Office
With 50 years of experience in the industry, PierPoint Mortgage is offering the finest mortgage services. We deal in various mortgage programs that will help you become a proud homeowner.