kay@kaypratt.com
    405-641-5754

Kay Pratt RE/MAX

Helping home buyers and sellers in central Oklahoma

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HUD to announce long-awaited FHA Condo rules

HUD logo

The U.S. Department of Housing and Urban Development (HUD) is expected to release updated guidance on FHA-insured condominium financing. The new rules should benefit buyers by making low down-payment … Continue reading...

Posted in: For Buyers, Mortgage, News Tagged: condo, condominiums, Housing and Urban Development, HUD, National Association of Realtors

What is Mortgage Underwriting?

Most new home buyers finance their purchase, and are at least passingly familiar with the term "home mortgage" and understand that it is basically a lending institution loaning them money to purchase … Continue reading...

Posted in: For Buyers, Mortgage Tagged: home loan, loan officer, Mortgage, mortgage broker, underwriting

Do’s and Don’ts before Buying Your Home

Once you have a home under contract, it is typical to start dreaming of the upgrades you will do to your new home. Maybe some new paint, wallpaper, or new furniture is in order. But WAIT! Now is not … Continue reading...

Posted in: For Buyers, Mortgage, Tips Tagged: finance, first time home buyer, home buying tips, Mortgage

Home Buying Basics

Buying a home can be an intimidating process, but with a little knowledge under your belt, you can better understand the process and become a stronger borrower. Here some things you should know before … Continue reading...

Posted in: Blog, For Buyers, Mortgage Tagged: Buyers, Credit, first time homebuyer, Mortgage

Oklahoma County Down Payment Assistance

Do you make less than $86,100 annually?  Would you like to get into a $214,925 home with no money down and your closing costs paid?  If so, read on. The Oklahoma County Finance Authority will soon … Continue reading...

Posted in: Conventional, FHA, For Buyers, Rural Development, VA Tagged: bond money, Buyers, down payment assistance, FICO, home buyers, Mortgage, Oklahoma County

Overdraft fees can affect your credit worthiness

We run a tight ship and have built many good relationships with lenders in the real estate industry.  Fortunately, when working transactions with the reputable lenders we are accustomed to working … Continue reading...

Posted in: Mortgage Tagged: Credit

Low interest rates mean a lower payment

Today's low interest rates mean a much lower house payment for home buyers. Check out this video from Oklahoma Association of Realtors on how these low rates can affect your monthly payment. … Continue reading...

Posted in: Mortgage Tagged: Credit, first time homebuyer, Mortgage

Yvonne

Typically I sell homes all over the metro area, however this client was referred to me by a lender I often work with, IFreedom Direct based in Utah, primarily a VA Lending institution. It so happened … Continue reading...

Posted in: Past Customers, VA Tagged: Enid, VA Loan

HUD loans available for Oklahomans in risk of foreclosure

The US Department of Housing and Urban Development (HUD) recently launched the Emergency Homeowner's Loan Program to help homeowners in risk of foreclosure. The program is designed to help homeowners … Continue reading...

Posted in: Homeowners, Mortgage Tagged: foreclosure, HUD, Mortgage

Credit Scoring Made Simple

What is credit scoring? Simply put, credit scoring is a method of assessing the credit risk of a loan applicant. Credit bureaus such as Experian, Equifax and Trans Union each developed mathematical … Continue reading...

Posted in: Mortgage Tagged: Buyers, Credit, FICO, Mortgage, Tips

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19 North Broadway
Edmond, OK 73034
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