A man and a woman carry plants into their new home.

Homeownership Dreams?

Our Community Development Lending Loan Officers are dedicated to providing you with a welcoming home loan experience and the highest level of customer service.

Mortgage Lending

MidFirst offers a variety of affordable mortgage program options for our borrowers ─ including programs for first-time homebuyers, loan programs without mortgage insurance, closing cost credits and access to down payment assistance programs.

MidFirst Down Payment Assistance & Closing Cost Grant Programs1

  • Limited availability - ask for details
  • A $6,500 grant available exclusively for MidFirst Dream Home Loan borrowers
  • Grant can be applied to the down payment and/or closing costs of a home purchase
  • No payback of grant required
  • Can be layered with other down payment assistance programs
  • The property must be owner-occupied as a primary residence

MidFirst Dream Home Loan2

  • Up to 100% financing3
  • Flexible underwriting
  • No Private Mortgage Insurance (PMI)
  • Lender Origination Fees of $895 waived
  • Borrower must be a first-time homebuyer4

Specialty Home Equity Loan

To learn more about special offers for Home Equity Loans in your area, click here.

Helpful Financial Calculator

MidFirst Bank's online calculators are a great way to make informed decisions about your finances. Explore home affordability, track household expenses, calculate loan payments, create loan payoff schedules and more.

Visit midfirst.com/ways-to-bank/financial-resources/calculators to get started.

Contact a Community Development Lending Loan Officer

Complete the form below to have a Community Development Lending Loan Officer reach out to you. 

Disclosure

1Down payment and/or closing cost grant: Grant funds are limited - ask us about availability. If funds are available, grant programs are limited to applicants who qualify for and use the Dream Home Loan to purchase a primary residence within in a Majority Minority Census Tract (tract minority population greater than 50 percent) or the applicant(s) combined annual income must be considered Low-to-Moderate (less than 80% of the median family income of MidFirst Assessment Area) based on data published by the Federal Financial Institutions Examination Council (FFIEC). Grant funds must be applied to closing costs and/or down payment on loan and cannot be combined with other MidFirst grant programs.  MidFirst will report payment of the grant funds to the IRS as required by applicable law. There may be tax implications associated with receiving the grant - please consult your tax advisor if you have any questions.

** Amount offered depends on loan amount - ask for details when you apply.

2Dream Home Loan Eligibility: Limited to first-time homebuyers 18 years or older. Collateral must be the applicant’s primary residence located in a MidFirst Assessment Area. To qualify either 1) the collateral property must be located within a Majority Minority Census Tract (tract minority population greater than 50 percent) or Low-to-Moderate Income Census Tract (tract income is less than 80% area median income), or 2) the applicant(s) combined annual income must be considered Low-to-Moderate (less than 80% of the median family income of the MidFirst Assessment Area) based on data published by Federal Financial Institutions Examination Council (FFIEC).

3A down payment may be required under certain circumstances - ask for details when you apply.

4MidFirst follows Fannie Mae guidelines, which considers a first-time homebuyer as someone who has not owned a residential property in the last three years.