Home Mortgage Loans

Find a loan that's as sweet as your home

When you're hunting for a home, you focus on everything from the floor plan to the neighborhood. When you're deciding on a mortgage, there are just as many details to consider - interest rates, repayment plans, down payment totals and credit requirements. At BancFirst, we offer many types of mortgages, and our loan professionals are committed to helping you find one that's a perfect fit.

• Fixed-rate mortgages: Loans range from 10 to 30 years and feature stable monthly payments.
• Adjustable-rate mortgages: Lower initial rates can hold down monthly payments for the first few years. After the introductory period, rates are periodically adjusted.
• Federal Housing Administration (FHA): Government-backed loans feature lower down payments and more flexible credit guidelines. Often ideal for first-time homebuyers.
• VA Loans: Current service members, veterans and reservists are eligible for loans that feature lower rates, no down payments and no private mortgage insurance requirement.
• USDA Rural Development:  People who want to buy property in rural areas or certain suburbs can qualify for loans with low interest rates and flexible credit guidelines.  
• HUD Section 184: Members of Native American tribes can qualify for fixed-rate loans with smaller down payments and other features similar to FHA loans. 
• Construction Loans: BancFirst's Mortgage Lending Team can provide short-term financing for every phase of new home construction to helping you find one that's a perfect fit. 

To learn more or to apply for a home mortgage loan, submit an online application, contact us or visit one of our branches in Oklahoma.