Ten quick questions. You'll walk away knowing what you can afford, the best loan program for your situation, and the next steps that actually matter.
1 of 10Where you are today
01 — Where you are
Where are you in the journey?
No wrong answer. Just helps me know how to guide what comes next.
02 — Your situation
What kind of home are you after?
Different paths come with different programs and benefits.
First-time buyers get the most help. FHA loans (3.5% down), OHFA down-payment assistance, and tax credits stack up fast.
03 — Loan eligibility
Have you served in the military?
If yes, the VA loan is probably the single best deal in real estate. It changes everything.
VA loans: 0% down, no PMI, lower rates than conventional, and the seller can pay your closing costs. Tinker AFB families use them constantly.
04 — Income
Your annual household income?
Before taxes. Combined if buying with a partner. This sets your max budget.
$85kper year
$30k$200k$400k+
A safe housing budget at this income is around $1,983/month.
The 28% rule: Most financial advisors say housing should be under 28% of your pre-tax income. Lenders will let you go higher, but your life gets tight.
05 — Existing debts
What do you pay monthly on other debts?
Car loans, student loans, credit card minimums, child support. Not rent or utilities.
$400/month
$0$1,500$3,000+
Your debt-to-income ratio looks healthy.
DTI (Debt-to-Income): Lenders want your total debt — housing + everything else — under 43% of gross income. Lower = more loan options and better rates.
06 — Down payment
How much do you have for a down payment?
Cash on hand. Don't worry if it's small — we have programs for that.
$15kavailable
$0$100k$200k+
On a typical $310k Edmond home, that's about ~5% — enough for an FHA loan.
Minimum required by loan type (on a $310k home):
VA
$0
0%
FHA
$10,850
3.5%
Conventional
$15,500
5%
No PMI
$62,000
20%
Investment property note: Conventional investment loans require 20% down minimum (sometimes 25%). VA, FHA, and USDA only work for primary residences.
Down payment myths: You do NOT need 20% down. FHA needs 3.5%. VA needs 0%. Conventional now goes as low as 3%. The "20%" rule mostly avoids PMI.
07 — Credit
Your credit score range?
Don't know exactly? Check Credit Karma, your bank app, or Experian — all free. Pick the closest range.
08 — Area
Where in OKC metro are you looking?
School district, taxes, and home values vary a lot by area. Pick the closest fit.
09 — Timeline
When do you want to be in your home?
Honest answer. Timing affects strategy.
10 — Almost there
Where should I send your plan?
I'll show your personalized recommendation on the next screen. Optional email so you can come back to it (and I can answer questions if you have them).
I don't sell or share your info. You'll see your plan immediately whether you provide info or not. The email just lets you save it.
Based on what you've shared, your estimated buying power is around $—
Updates as you answer.
Your personalized plan
Here's your roadmap.
Based on your answers — here's what you can afford, the best loan for your situation, and what to do next.
Buying Power
$—
Estimated max home price
Monthly Payment
$—
Recommended target
Min Down Payment
—%
required for your loan
Monthly payment breakdown
Principal & Interest
The loan repayment itself — what goes to the lender each month.
$—
Property taxes
Oklahoma county tax — roughly 0.95% of home value per year, paid monthly through escrow.
$—
Homeowners insurance
Required by every lender. Protects the home from fire, storms, theft. Roughly $1,500/year in OK.
$—
Mortgage insurance (PMI)
Required when your down payment is under 20%. Protects the lender. Drops off automatically at 20% equity on conventional loans (FHA: stays for the life of the loan).
$—
Total monthly payment
What you'll actually write a check for each month. HOA dues (if any) are extra.
$—
Best loan for you
Top recommendation
—
—
Down Payment
—
PMI / Mortgage Insurance
—
Min Credit Score
—
Worth considering too
Your next 3 steps
Want me to walk you through this?
I'll explain the loan options in plain English, connect you with a vetted lender, and answer anything that's still fuzzy. No pressure, no fee.
Estimates use the 28% housing rule, 43% DTI ceiling, current ~6.9% interest, 1.0% Oklahoma property tax, and standard insurance/PMI assumptions. Actual loan eligibility and terms depend on a full lender review. This isn't a loan offer — it's a planning tool.