ZFG Mortgage.

A company founded on the philosophy of conducting business in a more logical, sensible and upfront manner.

Home mortgage lenders & realtors in Oklahoma specialize in Tulsa mortgages, refinancing & in finding Tulsa homes for sale.

WHY US – WHAT SETS US APART

At ZFG Mortgage we know that consumers have many choices on where to take their mortgage business. Selecting a mortgage company is a very difficult decision, and consumers face many uncertainties, including whether the mortgage company they choose will honor the terms of the deal. What sets us apart? Let us tell you more about what makes ZFG Mortgage different.

Integrity: ZFG Mortgage prides itself on its integrity. We are acutely aware that the mortgage industry has a terrible reputation with the consuming public. How do you know we are different than other mortgage companies with less integrity? All of our programs are available for you to review and can be found within the Today’s Rate Sheet on our website, updated daily. Nothing is hidden; other lenders don’t do this! Finding out what the terms of your loan will be is not a difficult process with us. When you call for our rates we will quote you a rate from our rate sheet then email you a Good Faith Estimate – in other words, provided you qualify, what you see is what you get.

Experience: ZFG Mortgage owners have years of experience in banking, mortgage lending, real estate and financial services, serving 100’s of consumers just like you.

Competitive: ZFG Mortgage operates in a very upfront manner. We do not employ traditional, commissioned loan officers who may have an incentive to increase your loan terms for their own personal gain. All of these unique aspects of our business model allow us to offer extremely competitive pricing that most banks and mortgage brokers can’t.

Convenience and Service: You can apply on-line at your convenience. There is no need to come to our office personally in order to start the process. Just click on the “Loan Application” button and an owner of the company will contact you via phone or email to move forward. During the loan process we update our clients and all involved parties on a regular basis so there are no surprises when it’s time to close.

Accessible: We understand when you’re looking for something or need information you can’t afford to wait. We strive to answer emails and phone calls promptly. Our contact information below includes both office and cell phone numbers and we encourage our clients to call or email us anytime including weekends.

Having a baby and refinancing your home loan.

Diapers, Bottles, Strollers and Clothes…Have you ever wondered “How can I ever have enough money to save for retirement and my child’s education?” and “How did my parents ever make ends meet?”

(Most people think the only time to refinance is to get money to pay off debts. Some loans allow you to drop your payment by as much as 50%)

What would you do with the extra money if you could Cut Your Mortgage Payment in Half?

Start contributing to your 401k or 403b plan? Spend more time with your family?

Fund a Roth IRA or Traditional IRA each year? Put money down on a vacation home with the extra money?

Get health insurance in case your family became ill? Move forward with plans to adopt children?

Call your financial planner for a wealth building plan? Decorate the baby’s room or add on to the home?

Family Life and Getting a Bigger Home.

Is this your situation? “There aren’t enough bathrooms and you have 3 girls, and your son wants his own room.” Maybe you can now sell your current home for the down payment on a bigger home … but should you put the money down?

(You can still buy a home without putting much of your own cash down, wouldn’t it make more sense to put the proceeds of your old home to work?)

This is where we can show you your options on how much money you put down vs. your interest rate or closing costs.

Does putting much money down earn you a RATE OF RETURN?

How much you put down, does not affect a home’s value

Is the money you put down on the home SAFE?

If home prices drop, you lose access to the money

Is the money you put down on the home LIQUID?

When you need it most, the money can be un-obtainable

Does the money you put down on the home reduce TAXES?

The interest payment on your loan could be tax deductable

Trust us with your financing needs.

We offer you the competitive rates and service you deserve. Whether you’re a first time home buyer or are refinancing – we will find you the best rate and program for your situation. Apply online today for a no-cost, no-obligation pre-approval!

* Enthusiasm working for you

Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.

* Established Credibility

We have many years of experience and knowledge working in this industry. We can say with confidence that we’ll get the job done right.

Mortgage Center 

Purchase the home of your dreams! ZFG Mortgage has the mortgage program designed to meet the needs of your individual financial situation.

Refinance Center 

Gain extra cash by refinancing your home loan. ZFG Mortgage refinance programs are tailored to fit your specific lending requirements.

Real Estate Center 

Stay informed on buying and selling your home!

Apply

Get a fast application and closing process! Complete your mortgage application online both quickly and easily with ZFG Mortgage.

At ZFG Mortgages experts are always at hand for your Residential Purchase Loans and Refinancing Loans.

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use our FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home’s equity, use our FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use our FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

Oklahoma mortgage loans are our specialty. It’s all we do. Right now you are probably searching the various Internet lenders for a great mortgage rate. The drawback with Internet lenders is that you normally have to deal with some huge company in another state or even another country. They simply aren’t as experienced with Oklahoma mortgages as someone that lives right here in Oklahoma. A mortgage loan is the largest transaction most families ever make. Do you really want to trust your home purchase or mortgage refinance to someone sitting in a cubicle hundreds of miles away?

With our latest technology, you can have the best of both worlds. We offer competitive mortgage rates AND top-notch customer service from mortgage professionals right here in Oklahoma. Give us a chance to earn your business with a FREE customized mortgage rate quote. We’ll never give you any high pressure and there is no obligation. You will usually receive an answer from an experienced Mortgage Consultant by the following business day.

If you are buying a home or looking to refinance your existing mortgage, we can help. Our Oklahoma mortgage rates are among the lowest in the industry! We have funded thousands of loans in Oklahoma, and we look forward to making you one of our next satisfied clients. Simply give us a call or apply online for your FREE mortgage consultation.

Builder: Pink slip? Mortgage paid for 3 months

http://www.chron.com/disp/story.mpl/headline/biz/6380778.html

Six firms to get mortgage incentives named

http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2009/04/15/BUP61737PV.DTL&type=business

Fallen stocks need time to get up

http://www.goerie.com/apps/pbcs.dll/article?AID=/20090419/BUSINESS05/304199971/0/BUSINESS04

Tulsa Home Sales Down 24%

http://www.ktul.com/news/stories/0409/614834.html

Low rates can mean big savings when refinancing

http://www.tulsaworld.com/business/article.aspx?subjectid=15&articleid=20090416_15_E4_DearAc878441

We should be happy we live in Tulsa, Oklahoma

http://www.tulsaworld.com/business/article.aspx?subjectid=46&articleid=20090412_46_E1_Oklaho982681

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