Home Loans

First National Bank of Oklahoma would like to welcome you to the Home Loan Department.
This department offers many types of products for the purchase or construction for new residences, second homes or investment properties. Also, we offer products for the refinance of current homes for home improvements, debt consolidation or cash-out of equity.
A home is the most valuable asset you can have and the purchasing and refinancing process can be a frustrating experience. We at First National Bank of Oklahoma want to ensure you this process does not need to be frustrating with the assistance of our home loan specialist. We can offer fast and easy pre-approvals before you begin shopping for that new purchase or considering that refinance by contacting our home loan specialist.

Contact us at one of our four bank locations in Oklahoma City, Tonkawa and Ponca City for more detailed information.


There are many different types of home loan products available to fit your needs. Loan terms can range from 10 to 30 years with either fixed or adjustable rates. We offer competitive rate and fees with a no fee lock-in rate protection up to 70 days. Extended locks are available with lock-in fee.

Different products available consist of:

  • Conventional Loans – Fixed interest rate for term of loan.
  • FasTrak Home Loans
    • 15 Year In-House loans
    • Quick local approvals
    • FasTrak Closings in 2-4 weeks approvals
    • Fixed interest rates
    • Up to 80% loan to value for qualified borrowers
    • Purchases or Cashout Refinances
    • Construction to Permanent single closings
    • Owner Occupied Dwellings Only
    • Available in the following Oklahoma counties: Kay, Osage, Noble, Grant, Garfield, Oklahoma, Logan, Cleveland and Canadian counties
  • 5 Year Balloon Loans– Fixed interest rates for first 5 years then balance re-amortized for remaining term of loan at current market rates.

Contact us at one of our four bank locations in Oklahoma City, Tonkawa and Ponca City for more detailed information.


Residential Real Estate Loans


Buying a new home and still haven’t sold your current home? We offer bridge loans to get you into your new home now. We also offer quick approval and low hassle in-house residential purchase or refinance loans with fixed or variable interest rates, up to five year terms and amortizing up to twenty years. Many times these loans can be closed in just a few days after application. 

Mortgage Lending


Our in-house mortgage loan officer can assist you with a full range of long-term mortgage loan products.