Who we help
Designed for families ready to own.
We're flexible where banks are rigid. We look at your full financial picture — not just a credit score.
You might be perfect for our program if…
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You have stable income but your credit score isn't quite where banks require.
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You're self-employed or have non-traditional income documentation.
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You've experienced recent credit challenges (medical bills, divorce, etc.).
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You have the discipline to improve your credit over 1–3 years.
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You're ready to be a responsible homeowner.
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You can provide a 7% down payment plus closing costs.
Basic requirements
Income
Verifiable, stable income (W-2, 1099, or self-employed).
Employment
Documented employment history.
Credit
Acceptable credit history — case-by-case review. No strict minimum score.
Down Payment
7% of purchase price.
Property
Located in the Oklahoma City metro area, $150K–$550K.
Underwriting
Pass our financial underwriting process.
A note on credit scores.
We don't have a strict minimum. We look at your complete financial picture — income stability, payment history, and the reasons behind any credit challenges. If you've been declined elsewhere, it's still worth applying with us.
Ready to start your journey?
Complete your application in 5 minutes. Pre-qualification within 24–48 hours.