Hyper-local home financing · Tulsa County
Home financing, handled close to home.
Purchase, refinance and new-construction loans for Tulsa County, including conventional, FHA, VA, USDA and jumbo loans, plus bank-statement and DSCR loans when your income doesn't fit a standard box.
How we help
Find the loan that fits the plan.
Buy with confidence
Get pre-approved before you shop. We'll review your finances, set a realistic budget and match you to a loan program, so your offer is stronger when you find the one.
Purchase loans →Refinance with a plan
Whether you want a lower payment, a different term or cash from your home's equity, we'll compare your current loan with your options side by side.
Refinance options →Build new with one closing
Finance your land purchase and construction together with a one-time-close loan, with as little as 5% down for qualified borrowers with a 700+ credit score.
Start a construction loan →60-second loan finder
Not sure which loan fits?
Answer a few quick questions and see the programs worth asking about. No name, email or credit check needed to see your matches.
Loan programs
Standard programs, and the ones banks skip.
Fixed and adjustable rates, 15- and 30-year terms, and custom terms available. Eligibility, credit and down payment requirements vary by program.
Conventional
Low down payment options for primary homes, plus second homes and investment properties.
FHA
Government-insured, with flexible credit guidelines and down payments as low as 3.5% for qualified borrowers.
VA
For eligible veterans, active-duty service members and certain surviving spouses, potentially with no down payment.
VA eligibility requiredUSDA
Low or potentially no down payment for homes in eligible rural and suburban areas.
Property and income limits applyJumbo
For loan amounts above conforming limits, up to $3,000,000, for purchases and rate-and-term refinances.
Section 184
Home loans for enrolled members of federally recognized Native American tribes and Alaska Native borrowers.
Tribal enrollment requiredFor self-employed borrowers & investors
Why Vanguard
A local team, not a call center.
You'll work with people who know Tulsa County, answer the phone and stay with you from pre-approval to closing.
- One point of contactThe same local team from application to closing table.
- Programs for real lifeSelf-employed, investor, new construction and Section 184 options in addition to the standard programs.
- English & SpanishTalk through every step in the language you're most comfortable with.
- Clear numbersYou'll get an official Loan Estimate that itemizes your rate, APR and fees before you commit.
How it works
Three steps, one local team.
Fill out our short, secure application to buy or refinance, and we'll connect you with a licensed loan specialist.
Your specialist reviews the application, asks for anything else that's needed and gives you a loan decision.
We walk you through documents and the credit requirements for your program, all the way to the closing table.
Plan with confidence
Estimate your monthly payment.
A quick principal-and-interest estimate. No sign-up required. Use the full calculator to add taxes, insurance, PMI and an amortization schedule.
Estimated principal & interest
Example only. The rate shown is a sample, not a quote. Your actual rate and payment depend on credit, loan type and other factors.
Hyper-local
We lend where we live.
We're a Tulsa team invested in the community we serve, from first homes to local real estate investments and new projects. When you call, you reach someone who knows the neighborhood.
FAQ
Questions we hear every week.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us. Pre-approval means a loan officer has reviewed your application, credit and documents, which gives sellers more confidence in your offer.
I'm self-employed. Can I still qualify?
Yes. Along with standard programs that use tax returns, we offer bank-statement loans that qualify you with your business or personal bank deposits instead.
Can I switch to Vanguard if I'm already under contract?
Often, yes. Call us as early as possible so we can review your contract dates and confirm we can meet your closing timeline.
How much do I need for a down payment?
It depends on the program. VA and USDA loans may require no down payment for eligible borrowers, FHA starts at 3.5% for qualified borrowers, and conventional loans have low down payment options. We'll show you the options side by side.
Do you finance new construction?
Yes. We offer direct lending for new construction, including one-time-close loans that cover the land purchase and the build in a single closing.
Do you work with Spanish-speaking borrowers?
Sí, hablamos español. We can walk you through the whole process in Spanish. Official loan documents are provided in English.