All articles about Oklahoma First-Time Home Buyer Guide.
The best Oklahoma home buying resource for military families at Tinker AFB and Fort Sill: VA loans, OHFA Gold military rates, BAH optimization, and compressed PCS timelines.
Step-by-step guide to stacking OHFA Gold or Dream with OKC's NHSOKLA grant and Tulsa County First Home Program to reduce cash-to-close in Oklahoma to near zero.
Comparing a structured Oklahoma home buyer guide against relying on realtor advice for navigating OHFA programs, insurance costs, clay soil, and the abstract title system.
What are the real alternatives to a buyer's agent in Oklahoma? Comparing self-directed buying, flat-fee MLS, and a structured Oklahoma guide for first-time buyers.
What out-of-state buyers moving to Oklahoma don't know: insurance premiums 122% above national average, clay soil foundations, abstract title system, and OHFA programs explained.
Military buyers at Tinker AFB can use VA loans to buy off-base in Midwest City, Del City, and OKC. Learn BAH rates, VA loan steps, and what to watch in this market.
First-time buyers in Oklahoma face unique costs: $7,683/year insurance, clay soil foundations, and abstract-based title work. Here's what the process actually looks like.
Oklahoma requires the standard OREC residential purchase contract. Learn how the Time Reference Date, contingencies, earnest money, and the 2026 contract changes work.
OHFA offers 3.5% down payment assistance as a 0% deferred second mortgage. Compare the Gold and Dream programs, income limits, and how to qualify in 2026.
Oklahoma FHA loans require a 580+ credit score and 3.5% down. Learn loan limits, property condition requirements, and how FHA interacts with OHFA assistance programs.
Oklahoma has some of the most affordable homes in the US. See median prices by city, what your budget buys in OKC vs. Tulsa, and where first-time buyers find the most value.
Tulsa's median home price is around $219,000 in 2026. Learn about Broken Arrow, Owasso, and Jenks sub-markets, what drives prices, and how to buy in this market.
Oklahoma storm shelters cost $3,000–$12,000. Learn shelter types, FEMA standards, the SoonerSafe rebate, permit requirements, and how to evaluate a shelter when buying.
Oklahoma USDA loans offer zero down payment financing in eligible rural areas. Learn property eligibility, income limits, credit requirements, and how to apply in 2026.
Oklahoma requires an attorney title opinion on every sale — not just a title search. Learn how abstract-based title works, what title insurance covers, and who pays what.
Oklahoma property tax rates average 0.8%–1.1% of market value. Learn how assessment works, county differences, and what first-time buyers owe at closing.
Oklahoma homestead exemption reduces your assessed value by $1,000. Learn the filing window, eligibility rules, and what happens when ownership changes.
Oklahoma home warranties cover HVAC, plumbing, and appliances — but not foundation damage or pre-existing conditions. Learn when it's worth buying and what to look for.
Oklahoma closing costs for buyers include a 0.10% mortgage tax, recording fees, and lender costs. See the full itemized estimate and who pays what by Oklahoma custom.
Oklahoma home insurance rates average $7,683/year — 122% above the national average. Learn what drives costs, how deductibles work, and how to budget before closing.
Oklahoma foundation repairs range from $2,000 to $20,000+. Expansive red clay causes serious damage. Learn the warning signs, how to inspect, and avoid predatory bids.