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James Oldham

James Oldham

Branch Manager

15712 N. Pennsylvania Ave, Ste. 8, Oklahoma City, OK 73013
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Rhonda
Oct 02, 2023
Verified

James was very helpful and accomodating to our needs.
Tonua
Oct 02, 2023
Verified

James is great and has a great team supporting him. Kept us up To date on every step, the title company even commented on how great a job they do. Highly appreciated and recommended
Kelly
Aug 14, 2023
Verified

James and his staff were very personable and easy to work with. I will highly recommend them in the future.
Angela
Aug 28, 2023
Verified

James has always been reliable and easy to get ahold of!
Stephanie
Aug 14, 2023
Verified

Efficiency
Connie
Aug 14, 2023
Verified

I was very appreciative that you were able to assist the buyer in such a speedy time frame. My seller had lost the first buyer because their predatory internet lender backed out the week of closing. So the save on this transaction was super.

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NMLS ID #294410
I am authorized to do business in the state of Oklahoma.