Turning Dreams into

Doorways.

We turn your homeownership dreams into reality by offering personalized mortgage solutions tailored to your unique needs.

Our expert team guides you through every step, ensuring a smooth journey from application to closing.

Apply Today

OUR SERVICES

Loan Products We Offer

FHA Loan

An FHA loan is a mortgage insured by the Federal Housing Administration, designed to help people with lower credit scores or smaller down payments. It typically requires a down payment as low as 3.5% and has more flexible credit requirements. Borrowers must pay mortgage insurance premiums, and the property must meet certain standards.

Conventional Loan

A conventional loan is a mortgage that isn’t backed by the government, such as FHA, VA, or USDA loans. It usually requires a higher credit score and a larger down payment compared to government-backed loans. Conventional loans can be either conforming, meeting Fannie Mae and Freddie Mac guidelines, or non-conforming, not adhering to these standards.

VA Loan

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and certain other qualified individuals buy homes. It typically offers benefits like no down payment, no private mortgage insurance, and favorable interest rates. Eligibility requirements include service history and meeting specific cri

teria set by the VA.

Refinance

Refinancing is the process of replacing an existing mortgage with a new one, usually to secure better terms. Homeowners might refinance to lower their interest rate, reduce monthly payments, or change the loan term. It can also be used to tap into home equity for cash.

USDA Loan

A USDA loan is a mortgage backed by the U.S. Department of Agriculture, designed to help low- to moderate-income buyers purchase homes in eligible rural areas. It often requires no down payment and offers competitive interest rates. Eligibility is based on income, location, and creditworthiness.

DSCR Investment Loan

A DSCR (Debt Service Coverage Ratio) investment loan is a type of mortgage used for financing income-producing properties, like rental real estate. It focuses on the property’s ability to generate enough income to cover the loan payments. Lenders evaluate the DSCR to ensure the property's rental income is sufficient to meet its debt obligations, typically requiring a ratio greater than 1.0 to qualify.

We are passionate about achieving better results for our clients

What Sets Us Apart

We believe in transparent communication and honesty at every stage of the process. We provide clear, jargon-free explanations and ensure that our clients have all the information they need to make informed decisions.

Personalized Approach

We understand that every client's financial situation and homeownership goals are unique. That's why we take the time to listen, assess, and tailor our solutions to meet their specific needs.

Exceptional Service

Our commitment to excellence extends beyond securing a mortgage. We're dedicated to providing unparalleled service and support, guiding our clients from initial consultation to closing and beyond.

CONTACT US

Lets Get You Pre-Approved

Buying a home can be stressful, let's make sure the lending part is not.

Free Online Application! Click Here

NMLS # 1964721

House and Home Mortgage

405-440-3019

[email protected]

WHAT PEOPLE SAY

Some of our Awesome Testimonials

"The purchase of our second home couldn’t have gone better!!!!! Thanks to House and Home and their entire team. I would highly recommend to anyone purchasing or refinancing." - Stephanie

"Taylor is wonderful to work with. She is very detailed and held my hand through the process." Braxton

"The entire team was great. Josh made sure I know what was going on the whole time and who from his team would be in touch. I will use them for all future loans. I am a customer for life!" - Danielle

2016

Year of Foundation

426

Issued Loans

45+

Business Partners

2005

Happy Clients

Fast & Easy Application Process

STEP 1

Get Pre-Approved

Get a quick pre-approval from us before you start shopping for your dream home! Our streamlined process provides you with a clear budget and strengthens your offer, giving you a competitive edge in the housing market..

STEP 2

Shop for Your New Home

Next, shop for your home with one of our excellent referral partners—trusted real estate agents who are dedicated to finding the perfect property for you. They’ll use their expertise to guide you through the market and help you find a place that matches your needs and dreams.

STEP 3

Close on the Home

Finally, close on your dream home and make it your own. With our support, you'll smoothly transition from house hunting to homeownership, creating a space that's uniquely yours.