Bok financial refinance rates -
BOK Financial Mortgage
Don't ever ever put your money there. I have had so many problems of them refusing to give me my money. They make up excuses, they shut your account down, and when you call them they don't answer, can't help it actually hang up on you. Right now they shut my account down and won't respond to me.
BOK Financial Mortgage and BOK Financial customer service is horrible! Talking to cust. srv ALWAYS requires a minimum of 30 minutes on hold. I requested a payoff statement for a refi. They *only* snail-mail them, and it took more than 3 weeks, holding up my refi. Of course, they have a recorded statement all days and times, "we are experiencing higher than normal call volumes, we apologize for the wait." Nonsense! Call volumes are what they are. If you call to apply for a new loan, there is no wait time, but once you are their customer they simply don't care. AVOID BOK Financial at all costs!
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We refinanced the mortgage that we had with them. The process was fairly automated. The website is very nice where I could upload the documents and respond to the questions. The representative from the specific bank was very helpful. He was very responsive. I would get a response to my email within just a couple of hours. It was a pretty straightforward process. It took about a month from the time that it was locked in to the time that I finally signed all the papers. Overall, I like the ease of getting ahold of these people and having them respond back. Everything went really smoothly.
We took a VA loan from BOK Financial. We were buying a house and we already had them before. Getting the mortgage was pretty simple. I was comfortable with their rep. They told me what documents they needed. Application took 30 minutes, and anytime they needed anything or any updates, they called me and let me know. I got a good rate, too.
I wasn’t having any luck at my credit union. Somebody told me to try a bank and that Bank of Oklahoma was a good place to do that. I applied online and then somebody contacted me. She did my application and got me approved for it. She was in Kansas where she made it kinda difficult. But she was always available and we just did everything over the phone and on email. The process went real well. The only thing that I didn’t like was a lady that was helping me with all this said it was the FDA that required so much information. But other than that, it was fine to me. My interest rate is really good.
BOK Financial reached out to me to find out if I wanted to refinance because it was an opportunity to get rid of my PMI and lower my mortgage payment. Their rep, Michelle, was great. She was extremely helpful and responsive. She walked me through the process. I also had an issue with the notary. It was supposed to be a situation where they would come to my home but the person called me and spent a great deal of time talking to me about how allergic they are to pets, and I'd have to confine my dogs. Then he didn’t wanna come to my house because even the fact there had been dogs here would be a problem. I told him that it was his job to go to people's homes. It was getting dramatic.
We made arrangements to meet at a nearby Starbucks. The guy went to the wrong Starbucks and they got salty with me on the phone because he was in the wrong place. I provided them the feedback because, at that point, it was like a comic relief in that respect, but Michelle definitely took steps to make sure it was resolved. I wasn't looking for financial compensations but she said that it was just ridiculous and we couldn't have that. They refunded a portion of the cost.
There was a pretty significant difference between the initial conversations we had, the estimate of what the closing cost would be, and what they actually ended up being. It was something that really struck me when I got the final paperwork. But at that point, I was so far down the road and I still went forward with it. Michelle was able to explain to me why that was the case. She was willing to talk to me through the concerns I had.
I had a refi with BOK. The overall experience with them was good. Their rate is lower than the big banks and they can match the bigger banks’ offer. The process took around 21 days from the time I contacted their rep to closing. The website was really good. When the rep updated, I got an email saying something’s updated so I don't have to call him to see the status.
BOK Financial came from a personal recommendation and we also have some friends that have used them through the years. We ended up using them and it went extremely well. We're very pleased with our loan officer and his assistant. They made the process very easy. They communicated extremely often and they were very clear and concise. The person that came to give us and do all the signing did a great job, too. It was effortless so we were very pleased with the whole process. Their rates were also better than anybody that we talked to.
My cousin had recommended it and a specific officer. He said he had a good experience with them. The loan officer that I dealt with was good. He was very good at communicating via email and that was his main form of communication. But we talked on the phone a couple of times. My previous loan officer that I worked with in a previous institution was more communicative via phone calls and text messages. But my BOK loan officer was fine. He just chose more email so I had to adjust to that. Everything was good. I was very happy.
It went excellent with the BOK Financial rep. They requested documentation, I gave it to them, and they were happy with it. That’s pretty much it and it went smoothly. The process took maybe a month. Everything was online for us, so if there's anybody who doesn’t have computers, they're out of luck. We were fortunate in the fact that my brother-in-law’s wife is very good at computer work. That’s what she does for a living, and so she handled most of our transactions. Otherwise, I truly would've been lost.
Today’s mortgage rates in Oklahoma
The most populated cities in the state of Oklahoma include Oklahoma City, Tulsa and Norman. The capital, Oklahoma City, is known for its cowboy culture and is home to the National Cowboy and Western Heritage Museum. The diverse economy, unique attractions, rich cultural history and scenic beauty make Oklahoma a great place to live and work.
Oklahoma first-time home buyer programs
First-time home buyer assistance programs in Oklahoma and across the U.S. offer loans, grants, down payment assistance and tax credits. But availability and qualification requirements can vary. Contact your U.S. Bank mortgage loan officer for more information about programs available in Oklahoma.
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If you’ve already found your dream home or are interested in refinancing an existing mortgage, start your application today.
Oklahoma Mortgage and Refinance Rates
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money.
Oklahoma Mortgage overview
By Dhara Singh
Oklahoma is one of the most affordable markets for homebuyers, with a median home value of $132,465 as of June 2020, according to Zillow. Homes for sale in some of the top cities — including Oklahoma City, Edmund and Tulsa — have median list prices roughly between $220,000 and $285,000, realtor.com reports.
First-time homebuyer programs in Oklahoma
The Oklahoma Housing Finance Agency (OHFA) has a variety of programs to assist those who want to purchase a home in the state. Here are some of the options for affordable mortgages and down payment assistance.
OHFA Homebuyer Down Payment Assistance
The Homebuyer Down Payment Assistance program helps first-time homebuyers in Oklahoma by offering 3.5 percent of the loan amount toward the down payment and closing costs. Through OHFA, homebuyers can obtain the down payment assistance and a 30-year, fixed-rate mortgage, which can be a:
- Conventional loan
- FHA loan
- USDA loan
- VA loan
The down payment assistance is available only to first-time homebuyers in certain areas and all other buyers in other targeted locations.
The maximum purchase price varies, but can be as high as $453,100, depending on where the home is located and the type of loan. You must have a credit score of 640 or higher and be able to meet household income requirements.
There are also special mortgage interest rates and terms available for first-time buyers in occupations that serve the public good, including teachers, first responders and Oklahoma state employees.
OHFA 4TEACHERS – You must have a current teaching certificate from the Oklahoma State Department of Education and a contract with any accredited public school or private school in the state to qualify.
OHFA SHIELD – This program assists homebuyers who are working in jobs that serve the public welfare of Oklahoma citizens. For 2020, the purchase price limit is $294,600 and the home must be a primary residence. Down payment assistance of 3.5 percent of the mortgage amount is available.
Borrowers must meet household income requirements based on the county and family size, and the maximum debt-to-income ratio can’t exceed 45 percent. You’ll need a credit score of 640 or higher.
Here are the eligibility requirements for each category of first responder:
Firefighters – If you’re currently a firefighter for an Oklahoma municipality, or if you’re a volunteer firefighter with a volunteer fire department, you may be eligible for favorable OHFA SHIELD interest rates and terms on a home mortgage.
Law enforcement – If you’re a police officer, patrol officer, sheriff or otherwise currently working in law enforcement for an Oklahoma municipality, or you are a volunteer or reserve law enforcement officer, you may be eligible for the special OHFA SHIELD mortgage rates for first responders. You must be CLEET-certified.
Emergency medical services – Paramedics and EMTs currently employed by an Oklahoma EMS provider may be eligible for an OHFA SHIELD mortgage.
State employees – You can also qualify for an OFHA SHIELD mortgage if you are currently employed by an Oklahoma State Agency.
Oklahoma mortgage refinancing
The Oklahoma Housing Finance Agency doesn’t currently offer a mortgage refinancing program, but with interest rates at record lows, Oklahoma borrowers may be interested in refinancing their mortgage into a new one with a lower rate. Use Bankrate’s mortgage refinance calculator to see how much you can save by lowering your rate.
In addition, homeowners who are having difficulty paying their mortgage can seek counseling from a variety of HUD housing counseling agencies and consumer counseling agencies in the state.
Oklahoma mortgage resources
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ConsumersAdvocate.org Rating: 4.4 / 5 (Excellent)
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If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.
The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!
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Founded in 2013, HomeDirect Mortgage, based in Kansas City, is the internet mortgage division of BOK Financial, a multimillion-dollar institution. BOK has been in business since 1910. The financial giant offers both commercial and personal banking. As a mortgage loan originator and servicer, some of the products available at HomeDirect Mortgage are conventional, VA, and FHA loans.
HomeDirect Mortgage Loan Specifics
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