watch the thematic videoBank of Oklahoma Mortgage
Bank of Oklahoma
Bank of Oklahoma was established more than a century ago, and it bank of oklahoma mortgage phone number manages more than $30 billion in deposit assets and ranks as one of the top 25 US banks. The financial institution is headquartered in Tulsa, Oklahoma, but provides its customers with full-service banking centers in 53 locations bank of oklahoma mortgage phone number the state. Bank of Oklahoma offers personal and business deposit accounts, vehicle loans, home loans, personal loans, and credit cards.
You may contact Bank of Oklahoma by calling a customer service representative at 1-800-234-6181, by visiting a local banking center, or through the bank’s website online.
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At Bank of Oklahoma, we're committed to exceeding our client's expectations. Please feel free to contact us in the bank of oklahoma mortgage phone number that is most convenient to you.
Ways to Contact Us
A live-banker is available during the following hours:
Monday to Friday: 7 a.m. to 9 p.m. (CT)
Saturday: 8 a.m. to 5 p.m. (CT)
Outside Of These Areas:
Mortgage Customer Service is available during the following hours:
Monday to Friday: 7 a.m. to 6 p.m. (CT)
Saturday, Sunday: Closed
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eDocuments: eStatements & eNotices
Beginning December 1st, 2021, paper statements will incur a fee of $3. However, online statements are free to all members - make the switch to eDocuments today through Online or Mobile Banking! eDocuments offer a safe and secure way to store all of your Oklahoma Central eStatements and eNotices. Easily view current and past account notices and statements without the potential fraud risk that comes bank of oklahoma mortgage phone number paper statements. And, it’s an environmentally friendly alternative to printing on paper.
Why sign up for eDocuments?
- Reduces paper clutter
- It's free!
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- Eliminates postal delays – including lost or stolen mail
How do I sign up for eStatements on my computer?
- Log in to online banking on your laptop or desktop computer.
- Click on the eDocuments tab.
- Click on eStatements or eNotices and you will be guided through the sign-up process.
How do I sign up for eStatements on my phone?
1. Log in to the Oklahoma Central mobile app.
2. Once logged in, click More (bottom right screen).
3. Under Manage Account, click eStatements.
4. Click More, then click Settings.
5. Click Discontinue/Resume Accounts.
6. Click Resume, then click Submit.
7. Read Agreement Terms, click Yes.
Have questions? Visit our FAQ page or contact us.
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Oklahoma Mortgage overview
By Dhara Singh
Oklahoma is one of the most affordable markets for homebuyers, with a median home value of $132,465 as of June 2020, according to Zillow. Homes for sale in some of the top cities — including Oklahoma City, Edmund and Tulsa — have median list prices roughly between $220,000 and $285,000, realtor.com reports.
First-time homebuyer programs in Oklahoma
The Oklahoma Housing Finance Agency (OHFA) has a variety of programs to bank of oklahoma mortgage phone number those who want to purchase a home in the state. Here are some of the options for affordable mortgages and down payment assistance.
OHFA Homebuyer Down Payment Assistance
The Homebuyer Down Payment Assistance program helps first-time homebuyers in Oklahoma by offering 3.5 percent of the loan amount toward the down payment and closing costs. Through OHFA, homebuyers can obtain the down payment assistance and a 30-year, fixed-rate mortgage, which can be a:
- Conventional loan
- FHA loan
- USDA loan
- VA loan
The down payment assistance is available only to first-time homebuyers in certain areas and all other buyers in other targeted locations.
The maximum purchase price varies, but can be as high as $453,100, depending on where the home is located and the type of loan. You must have a credit score of 640 or higher and be able to meet household income requirements.
There are also special mortgage interest rates and terms available for first-time buyers in occupations that serve the public good, including teachers, first responders and Oklahoma state employees.
OHFA 4TEACHERS – You must have a current teaching certificate from the Oklahoma State Department of Education and a contract with any accredited public school or private school in the state to qualify.
OHFA SHIELD – This program assists homebuyers who are working bank of oklahoma mortgage phone number jobs that serve the public welfare of Oklahoma citizens. For 2020, the purchase price limit is $294,600 and the home must be a primary residence. Down payment assistance of 3.5 percent of the mortgage amount is available.
Borrowers must meet household income requirements based on the county bank of oklahoma mortgage phone number family size, and the maximum debt-to-income ratio can’t exceed 45 percent. You’ll need a credit score of 640 or higher.
Here are the eligibility requirements for each category of first responder:
Firefighters – If you’re currently a firefighter for an Bank of oklahoma mortgage phone number municipality, or if you’re a volunteer firefighter with a volunteer fire department, you may be eligible for favorable OHFA SHIELD interest rates and terms on a home mortgage.
Law enforcement – If you’re a police officer, patrol officer, sheriff or otherwise currently working in law enforcement for an Oklahoma municipality, or you are a bank of oklahoma mortgage phone number or reserve law enforcement officer, you may be eligible for the special OHFA SHIELD mortgage rates for first responders. You must be CLEET-certified.
Emergency medical services – Paramedics and EMTs currently employed by an Oklahoma EMS provider may be eligible for an OHFA SHIELD mortgage.
State employees – You can also qualify for an OFHA SHIELD mortgage if you are currently employed by an Oklahoma State Agency.
Oklahoma mortgage refinancing
The Oklahoma Housing Finance Agency doesn’t currently offer a mortgage refinancing program, but with interest rates at record lows, Oklahoma borrowers may be interested in refinancing their mortgage into a new one with a lower rate. Use Bankrate’s mortgage refinance calculator to see how much you can save by lowering your rate.
In addition, homeowners who are having difficulty paying their mortgage www victoriassecret com india seek counseling from a variety of HUD housing counseling agencies and consumer counseling agencies in the state.