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 Dream Home Loan1

  • Up to 97% financing2
  • Flexible underwriting
  • No Private Mortgage Insurance (PMI)
  • Lender Origination Fees of $895 waived
  • Borrower must be a first-time homebuyer3

Oklahoma Housing Finance Agency (OHFA) Dream Programs4

  • Offers borrowers home purchase financing options with down payment assistance
  • This program may be used to purchase new or existing homes

Oklahoma County Home Finance Authority "Turnkey" Mortgage Origination Program4

  • Provides a fixed-rate mortgage with a down payment assistance grant for qualifying families throughout Oklahoma County

MidFirst Individual Development Account (IDA)4

  • A matched savings program for qualifying eligible participants wanting to buy a home in Oklahoma or Canadian County
  • No repayment of grant funds required
  • The grant provides a 2:1 of match funds

Specialty Home Equity Loan

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

Helpful Financial Calculators

MidFirst Bank's online calculators are a great way to make informed decisions about your finances. Explore home affordability, track household expenses, calculate a loan payment, 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

1Dream 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 Institutions Examination Council (FFIEC).

2A higher down payment may be required under certain circumstances - ask for details when you apply.

3MidFirst follows Fannie Mae guidelines, which considers a first-time homebuyer as someone who has not owned a residential property in the last three years.

4Community Assistance Programs: Other program restrictions may apply. Income is based on the Federal Financial Institution Examination Council (FFIEC) 80% Family Median Income.