Sitemap - UFFC Mortgage

Loan Officers

Tiffany Foreman
Ryan Rutledge
Paul Fraley
Tori Winnett
Jayden Naylor
Jeffrey Naylor
Micah Moseley
Grant McMurray
Tyson Tucker
Audrey Tucker
Ben Whitney
Don Stiefer
Ed James
Andre Gabel

Blog Posts

Refinancing Isn’t Just About the Rate — It’s About Your Options
BIG NEWS: Mortgage Rates Are at Their Lowest Level in Years—What That Means for You
Lock-in Effect: Something big just happened in the U.S. Housing Market
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
Inflation Cools in November — What It Means for Mortgage Rates
Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook
This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s
Stronger Data Last Week Caused a Slight Rate Bump
What Today’s Jobs Report Means for Mortgage Rates
50-Year Mortgages? Here’s What You Need to Know
Fannie Mae’s Big Update: You May Qualify Even With a Credit Score Below 620
What’s Going On With Mortgage Rates? (Explain-It-to-a-5th-Grader Version)
Mortgage Rates Jump After the Fed’s Rate Cut — Here’s Why
Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data
“Navigate Home Affordability: Your Guide to Budget-Friendly Buying Solutions”
Gen Z and the Dream of Homeownership: Adapting to a Challenging Market
Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
Discover Homeownership Opportunities with Little or No Money Down
Mortgage Rates Holds Steady After Weak Jobs Report
3 Reasons Home Affordability Is Improving This Fall
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
Why Mortgage Rates Move: What Every Homebuyer Should Know
Mortgage Rates Holding Steady… For Now
Lower Rates? Don’t Relax Just Yet
Mortgage Rates at 10-Month Lows! Big Opportunity!
Boost Your Credit Score: Mastering Credit Cards for Homebuyers
Navigate Your Financial Options: HELOC vs. Cash Out Refi Explained
Rates Just Hit a 10-Month Low!
Housing Market Confusing? Here’s Why You’re Hearing Mixed Messages
Could Removing Capital Gains Taxes on Home Sales Revive the Housing Market?
Game-Changer: Credit Scores Just Got Rewritten
Streamline Your Finances: Mortgage Refinance for Effective Debt Consolidation
Should You Buy a Home Before Your Divorce is Final? Here’s What to Know
Why Homeownership Is Still Worth It—Even Beyond the Finances
Summer Surprises: Sellers Pay Closing Costs in Today’s Buyer-Friendly Market!
Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know
Mastering Jumbo Loans: Your Key to Homeownership Beyond Conventional Limits
The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers
Move-In Ready vs. Fixer-Upper: Find Your Perfect Home Match Today!
Ready, Set, Save: 3 Clever Hacks to Outwit High Mortgage Rates!
Why Now Might Be the Best Time in Years to Buy a Home (Seriously)
Is New Construction Right for You? Explore Pros, Cons & Mortgage Insights
Avoid These 5 Common Mistakes Every First-Time Homebuyer Faces
The Secret Every Successful Home Seller Knows (But Most Miss)
April 2025 Housing Market Update: A Shift That Favors Buyers
Why a Home Inspection Is a Must for Homebuyers
Discover How USDA Loans Can Make Rural Homeownership Achievable
Start Your Homeownership Journey: Opportunities for Today's College Graduates
Will Mortgage Rates Fall Below 6% in 2025? Find Out Now!
Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It
Say Goodbye to Mortgage Overlays: Your Guide to Smooth Sailing Homebuying!
March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers
Discover Advantages of the HUD 184 Loans for Tribal Buyers
FHA Loans: Your Key to Affordable Homeownership Despite Financial Hurdles
Why the Housing Market Isn't Crashing in 2025
Your Credit's Secret Life: Will Checking It Boost or Bust Your Approval?
How Are Property Taxes Calculated? Here’s What Homebuyers Should Know
Discover How Oklahoma Makes Homeownership Shuffle Myths, Not Your Budget!
Navigating Mortgage Rate Fluctuations: Strategies for Confident Homebuying
Boost Your Budget: Master Seller Credits with Your Realtor’s Help!
Southern Housing Markets Offer New Opportunities for Homebuyers
Discover Affordable Homeownership: Your Guide to Little or No Money Down
Don't Buy into These 5 Mortgage Myths Keeping You from Your Dream Home!
Townhomes: A Smart Solution for Today's First-Time Homebuyers
Choosing the Right Mortgage: Fixed vs. Adjustable Rate Explained Clearly
Empower Your Clients: Partnering with the Right Oklahoma Lender
Overcoming Imperfect Credit: Your Pathway to Homeownership Success
Spring into Homeownership: Don’t Let the Market Bloom Without You!
Why Waiting to Buy a Home Could Cost You
Turn Keys into Cash: Build Wealth with Real Estate - Your Guide!
Get Ahead: The Essential Power of Mortgage Pre-Approval Letters
Navigate Interest Rates Like a Pro: Turn Challenges into Homebuying Wins!
Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers
Navigate Your Homebuying Journey with the Benefits of VA Loans
Spring Into Homeownership: Your Guide to Soaring Opportunities this Housing Season!
“Smart Strategies to Save for Your Downpayment While Avoiding New Debt”
Achieve Your Dream Home: No Down Payment Needed!
Selling Your Home? What You Need to Know About Capital Gains Taxes
Mastering Down Payments and Closing Costs: Your Path to Confident Homebuying
Navigating FHA Loans: Your Key to Affordable Homeownership in Oklahoma
Your 2025 Mortgage Rate Predictions: Navigate Challenges with Confidence
Decoding Mortgage Rates: Be Informed, Not Misled by Upfront Quotes
Streamline Your Finances: Refinance to Simplify Debt and Build Wealth!
Discover Your Perfect Lake Tenkiller Home: Overcome Buying Worries Today!
Mastering Oklahoma's Market: Essential Homebuying Tips for Your Success
Why Now Is the Time to Apply for a Mortgage
Discover How Buy Down Rates Can Make Homeownership More Affordable
Get Ahead in Homebuying: The Power of a Pre-Approval Letter
Eliminate PMI: A Faster Path to Your Homeownership Savings
Mortgage Rates Hit 4-Month Lows: What This Means for You
Turn Your Tax Refund into the Keys to Your New Home
Rent or Own: Finding Your Path to Homeownership in Tahlequah
Navigating Your First Home Purchase: Simple Solutions to Common Challenges
Buying vs. Renting in 2025: Why Homeownership Still Wins
Should You Rent or Buy? The Homebuyer’s Fun Dilemma Decoded!
Transform Fixer-Uppers: Boost Your Sales with 203k Loan Magic!
Home Prices Are Rising—But That’s a Good Thing!
Thinking About Moving in 2025? Here’s How to Make It Happen!
How the Latest Executive Order and Mortgage Rates Impact Homebuyers in 2025
Celebrating American Resilience: A Look at Recent Mortgage Rate Trends
What to Save for When Buying Your Home
Expert Predictions for the 2025 Housing Market
How to Buy a Home with Low Income: Yes, It’s Possible!
Affordable Homeownership: 6 Questions to Help Lower Costs
Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home
Why It Might Be Time to Trade Living with Your Parents for a Place of Your Own
Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase
What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch
Debunking Scary Myths About Buying a Home
How Non-QM Loans Work: A Smart Alternative for Non-Traditional Borrowers
Is Now the Right Time to Refinance Your Mortgage?
The Surprising Factors That Could Make Your Home Worth More!
How to Beat Inflation and Buy the Perfect Home: 6 Hacks for Savvy Buyers
Your Home’s Hidden Value: How Much Equity Can You Borrow Today?
Interest Rates Are Dropping: Here’s What It Means for Your Loans and Savings
How to Dodge the Top 3 Mortgage Blunders in Today’s Market
The Housing Market Shift You Didn't See Coming—Is Your Dream Home Finally Within Reach?
2025 Real Estate Forecast: The Surprising Truth About Buying Now!
Locking In Your Mortgage Rate: Why and When to Lock it
Understanding Inflation: What It Means for Homebuyers and Those Considering Refinancing
Busting the Biggest Myths About Buying a Home in 2024
Is a Second Mortgage Right for You? The Benefits and Pitfalls Explained
New vs. Existing: Why a Newly Built Home Could Be the Better Deal
Navigating Refinance Appraisals with Confidence
Tax Deductibility of Home Equity Loans in 2024
Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out
Understanding Your FICO Score: Key to Better Home Loan Rates
The Biggest Mistakes Potential Homebuyers are Making Right Now
Avoid These 5 Expensive Kitchen Mistakes When Buying Your First Home
Understanding Hazard Insurance: What Homeowners Need to Know
Tips for Buying a Home at a Lower Cost
Navigating Your Path to First-Time Homeowner Success
9 Home Buying Myths Debunked – Don’t Fall for These Common Traps!
Understanding the Differences Between Mortgage Insurance and Homeowners Insurance
5 Ways You Might Actually be Sabotaging Your Homebuying Efforts
Why You Need a Real Estate Agent When Buying a Home
Demystifying Home Loans: The Scoop on Conventional and Non-Conforming Loans
Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?
Balancing Act: The Art of Compromise in Home Buying
Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid
Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!
Second Time's the Charm: Navigating Your Next Home Purchase
The Smart Path to Downsizing: Making the Most of Your Retirement
"When Should I Consider a Cash-Out Refi?"
Mortgage Partnership: The Power of Co-Signing on a Mortgage
Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
Mastering Your Mortgage Journey: The Importance of FICO Score 8
Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
FHA Loans Simplified: Flexible Financing Options for Homebuyers
It's your path to home ownership, travel it your way!
Unlock Your Dream: A Guide for First Time Home Buyers in Grove, OK
The Power of Owning: Why Homeownership Matters
Your Dream Home within Reach in Tahlequah: First-Time Buyers Guide
How Declining Mortgage Rates Are Changing the Real Estate Landscape
Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase
Navigating the Mortgage Maze: 10 Crucial Do's and Don'ts After Applying
Joint Homeownership: The Essentials of Co-Borrowing on a Mortgage
Smart Moves in New Builds: Your Guide to Successful Homebuying
Navigating the Renovation Maze: Mortgage Insights for Fixer-Upper Buyers
Guide to Owning Your First Home in Tulsa, OK
The Homebuyer's Dilemma: To Wait or Act Fast in 2024?
Mortgage Insights: Today's Fed Pause and What It Means for Homebuyers
Don't Let Rates Ruin Your Home Dreams: 7 Sneaky Ways to Beat High Mortgage Numbers!
VA Home Loans: The Path to Achieving Homeownership Dreams
Autumn Home TLC: Fall Home Maintenance Made Easy!
From Dreams to Reality: How Government Home Loans Make Homeownership Attainable
Avoid These Common Mistakes When Buying a Home: Tips for Veterans
Rebuilding Your Dream Home: Getting a Mortgage After Chapter 13 Bankruptcy
Six Sneaky (and Costly) Warning Signs to Watch for When House Hunting
Embracing Affordability and Togetherness: The Benefits of Buying a Multi-Generational Home
ARM Loans: Risk vs Reward - Making Smart Home Financing Choices
Cash Flow Tips: Creative Ways to Monetize Your Home Beyond Equity!
Here's Why Multi-Family Units Are the Real Estate Game Changer You Need!
How Do You Know That Fixer-Upper is a Dream --Or a Money Pit!
Exploring the World of Multifamily Homes: Your Path to Real Estate Wealth
Student Loan Payments Resuming October: How Stay on Track to Your Homeownership
From Bargain Hunting to Home Buying: 4 Savvy Tips to Smart Homebuyers
Beware of Bad Mortgage Advice: Don't Get Duped by These Common Myths!
Breaking Down Big Loans: How To Tell if it's Time for a Jumbo Loan
Exploring Bridge Loans: A Close Look at This Home Financing Option
Crucial Considerations: Key Questions to Ask Yourself About Home Prices and Mortgage Rates
Essential Do's and Don'ts After Applying for a Home Loan
Earnest Money vs. Down Payment: What's the Difference?
A Guide to Buying a New Home: What You Need to Know
Avoid the Money Pit: 5 Costly Home Features You Can Probably Do Without
How Many Times Can You Use Your VA Loan Benefits? The Surprising Answer!
The Remote Worker's Guide to Securing a Mortgage
Building Credit for Your Dream Home: 5 Clever Tips (Minus the Credit Cards!)
How Mortgage Points Can Lower Rates and Make Payments More Affordable
House Hunting: Finding the Perfect Price Tag for Your Dream Home
Does Pre-Approval Really Matter in Home Shopping? The Answer May Surprise You
7 Surprising Things You Can Negotiate With Home Sellers to Get the Home You Deserve
Buying a Home Rather Than Renting Still Makes Sense and Here's Why
Get the Best of Both Worlds: The Role of Mortgage Pros and Real Estate Agents in Buying a Home
Thinking About Waiting to Buy? You May Want To Think Twice!
Decoding Homeowners Insurance: How Much Coverage Do You Need?
Waiting For Home Prices To Drop Dramatically? Here's Why You Shouldn't Wait
Why Condos are a Great Homeownership Option this Spring
20% Down May Not Be The Right Move For You - Here's Why
Navigating Home Buying and Budgeting During Inflation: Mastering It for Success
Get Ready for the Spring Homebuying Season with These 5 Home Buying Tips
How to Profit from Buying a Home Now Despite Rising Rates
Homebuying Help: How Downpayment Assistance Programs Work
What's the Max Debt-to-Income (DTI) Ratio for a Mortgage?
Should You Close Credit Cards Before Applying for a Mortgage?
Does Having a Student Loan Affect a Mortgage Pre-Approval?
Your Mini-Guide To Buying A Condo
What Most First-Time Homebuyers Wish They Knew Before Their Purchase
Simple Budgeting Tips: Getting Ready To Own Your First Home
Benefits of a New Construction vs Existing Home
What's Really Going On In the Market? Get Real Answers From Your Local Mortgage Advisor
Get The Facts: Will Pre-Approval Hurt My Credit?
How Working With A Mortgage Professional Can Save You Money
Best Ways to Leverage Your Home Equity
The Perks of Living in a Multigenerational Home
Choosing the Best Mortgage Options for Unique Circumstances
10 Things to Check Before Buying in a New Neighborhood
Add Instant Curb Appeal With These Ideas
Thinking About Relocating? How to Choose Where to Live
Top Ways to Raising Your Credit Score --Fast!
Why Buying A Home Still Makes Better Financial Sense Than Renting
Tips for Saving Thousands on Your Home Purchase
Are We Entering a Buyer’s Market? Signs to Watch Out For
Making Sense of the Current Housing Market
Watch Out for these Red Flags When Buying a Home “As Is”
Concessions You Can Get Even In A Seller’s Market
What Does a Home Inspector Look For in a Home You Want to Buy?
2022 Real Estate Market Predictions
How To Save For A Down Payment on a Tight Budget
Here’s Why The Current Housing Market Isn’t Like 2008
How To Buy and Sell Your Home As a Military Family
Feds Hike Interest Rate: What This Means for Mortgages, Car Loans, and More
Best Home Loan Options for Single Parents
Who Qualifies for Down Payment Assistance?
How Do Second Mortgages Work?
Factors To Consider When Purchasing a Home as an Unmarried Couple
What’s the difference between private mortgage insurance and mortgage insurance premium?
Is It Possible to Buy a Condo with a VA Loan?
Buying Mortgage Points: Is It Worth It?
Things to Consider When Deciding to Rent or Buy Your First Home
Getting Ready To Buy A Retirement Home: Things To Consider
Better Alternatives To Withdrawing From Your Retirement
Your Guide To Buying A Home When You Have Bad Credit
Your Guide To Paying Down Credit Card Debt With A Home Equity Loan
How Can I Get Approved for a Mortgage as a Contract Employee?
Step By Step Guide To Getting Your Credit Ready For A Mortgage
Learn The Difference Between A Home Equity Loan vs. HELOC
5 Mistakes Newbie Investors Make When Buying A House To Flip
How Do You Get A Mortgage For A Rental Property?
How Do Non-QM Loans Work?
What Are The Closing Costs For A VA Loan?
How Does A Mortgage Underwriter Verify Income?
How To Spot A Reverse Mortgage Scam
What’s The Minimum Credit Score For VA Home Loan Approval?
How To Deduct Mortgage Interest From Your Taxes
Guide To Qualifying For A Mortgage As A Non-U.S. Citizen
"Can I Buy Land And Build A House With An FHA Loan?"
“Can I Use My Equity To Buy Another House?”
Closing Costs: What Are They and How Much Will You Pay?
Is Buying a Foreclosure Smart for a First-Time Buyer?
"How Do I Get a Mortgage Loan If I'm Self-Employed"
Can I Be Turned Down A Home Loan After Pre-Approval?
Can You Get a Cashback on an FHA Loan?
Is Title Insurance Necessary for a Home Purchase?
Can You Buy A Home Without A Credit Score?
How Do Mortgage Lenders Decide How Much You Can Borrow?
How Does a Home Improvement Loan Work?
Which One Is Better? An FHA Or Conventional Loan?
"How Much Money Do I Need to Buy My First Home?"
Should I Buy a Move-In Ready Home or Fixer-Upper?
How Does APR Work In A Mortgage Payment
Debunking 5 Myths About VA Home Loans
Everything You Need to Know to Refinance Your Mortgage
The Top 4 Reasons to Buy a Multi-Unit Property
Is A No-Closing-Cost Refinance The Best Option For You?
Who Qualifies For A Reverse Mortgage?
Discover Your Home Equity Options
What Does It Mean To Cosign On A Mortgage?
How Much Down Payment Do You Need To Buy A Home?
Thinking About Refinancing Your Investment Property? Read This
What is DTI and How It Affects Your Mortgage Application
Prequalified And Pre-approved: What's the Difference?
Learn About Deducting Mortgage Interest From Your Taxes
FHA or VA Loan: Which is Better For Veterans?
Exploring The Pros and Cons Of An Interest-Only Mortgage Loan
New Credit And How It Affects Your Credit Score
All About Liens and Home Loans
Is Buying A Home With Bad Credit A Smart Choice?
Is Buying A Home Without Real Estate Agent A Good Idea?
How Does A Home Equity Line Of Credit (HELOC) Work?
Does Getting Preapproved For A Home Loan Matter?
What Does A Title Company Do?
What Is A Second Mortgage and Its Benefits?
Get the Facts About Escrow Shortages
The Basics of Buying A Foreclosed Home
Your Guide to Refinancing Your Condo
Home Inspection 101: A Homebuyer’s Guide
How To Remove Mortgage Insurance From Your Home Loan
5 Best Renovations to Increase Your Home's Value (Plus 3 Worst)
Secrets to Winning A Bidding War In Real Estate
New FHA Loan Limits for 2021
Does Buying A House Help Raise Your Credit Score?
First-Time Home Buyers Must Avoid These Mistakes
"How Long Does It Take To Purchase a Home?"
"Is a Home Equity Loan Right For Me"
What Do Fannie Mae And Freddie Mac Actually Do?
Earnest Money Deposit Versus Good Faith Deposit: What's The Difference?
Helpful Hints For Buying A New Condo From A Developer
What Are Origination Fees and Can They Be Avoided?
What Every Homebuyer Needs to Know About Home Sale Contingencies
Your Guide to Managing Your Credit Score
Should You Buy Property in the City or Suburbs in 2021?

Loan Officers

Pages

Blog Posts

Ed James

Getting started is Quick & Easy

purchase

refinance