Business Details
Your Oklahoma Mortgage Experts in Guthrie
Bozarth Home Mortgage has been dedicated to helping individuals achieve homeownership through tailored mortgage solutions. Our expertise spans FHA, VA, USDA, Conventional, and Manufactured Home financing, with a focus on Oklahoma markets. We prioritize competitive rates, transparent communication, and personalized guidance throughout the loan process. Our team of licensed professionals, including NMLS-certified loan officers, specializes in overcoming financial challenges to secure approvals for diverse client profiles.With a commitment to accessibility and customer-centric service, we streamline the mortgage experience through digital tools while maintaining the value of direct human support. Our reputation is built on rapid loan closures, such as completing transactions in 21 days, and fostering long-term client relationships through integrity-driven practices.
Services
FHA Mortgages
VA Mortgages
USDA Mortgages
Conventional Mortgages
Manufactured Home Financing
Cash Out Refinance
Streamline Refinance
Jumbo Loans
Mobile Home Loans
Investment Property Loans
Highlights and features
- We specialize in niche programs like manufactured home financing on rented land.
- Our team includes NMLS-certified loan officers with proven rapid loan closure records.
- We offer transparent cost breakdowns with no hidden fees.
- We provide 24/7 accessibility through digital mortgage tools and responsive communication.
- Our client-centric approach prioritizes personalized solutions over automated processes.
Associations and certifications
- NMLS
What people say
Quick 21-day loan closure
Always patient and responsive
Navigated complex financing needs
Treated like valued clients
Exceptional customer service
Services
FHA Mortgages
Our FHA mortgage programs provide accessible homeownership opportunities with low down payment requirements. We guide clients through FHA loan specifics including eligibility criteria, mortgage insurance considerations, and property requirements. Our specialists help first-time buyers and those with moderate credit histories secure financing with competitive rates while ensuring compliance with federal regulations.
VA Mortgages
We offer specialized VA loan programs for eligible military personnel and veterans. Our team handles VA-specific documentation, entitlement verification, and funding fee calculations. We focus on maximizing benefits like zero down payment options and competitive interest rates while providing clear explanations of service-specific requirements and application processes.
Manufactured Home Financing
Our manufactured home financing solutions address unique challenges including land-lease arrangements and park community regulations. We work with specialized investors to provide loans for homes in mobile home parks or rented lakefront properties. Our experts navigate appraisal requirements and structural standards specific to manufactured housing.
Cash Out Refinance
We help homeowners leverage home equity through cash-out refinance options. Our advisors analyze current market values, debt-to-income ratios, and loan-to-value thresholds to determine optimal cash-out amounts. We explain tax implications, closing cost considerations, and how extracted equity can be used for debt consolidation or home improvements.
Streamline Refinance
Our streamline refinance programs focus on reducing monthly payments with minimal documentation. We specialize in FHA, VA, and USDA streamline processes that require no appraisal or credit check in many cases. We analyze break-even points and interest rate differentials to determine financial benefits.
People
Jennifer Bozarth
Owner
NMLS-certified mortgage expert with 15+ years of experience guiding clients through complex financing scenarios. Specializes in manufactured home loans and community development initiatives.
Cole Taylor
Loan Officer
NMLS-licensed originator known for rapid loan closures and exceptional client communication. Expertise in first-time buyer programs and credit rehabilitation strategies.
Glenda Connelly
Loan Officer
Seasoned mortgage professional with specialized knowledge of rural development programs and investment property financing solutions.
LeeAnn Dais
Loan Officer
Certified mortgage lender with expertise in jumbo loans and unique property types. Focuses on providing tailored solutions for non-traditional financing needs.
Questions
What mortgage programs do you offer for first-time homebuyers?
We specialize in FHA loans with 3.5% down, USDA loans for rural properties, and VA loans for veterans. Our advisors help first-time buyers navigate down payment assistance programs and credit qualification requirements.
Can you help with refinancing an existing mortgage?
Yes, we offer FHA, VA, USDA, and conventional streamline refinance options with reduced documentation, plus cash-out refinance programs to access home equity at competitive rates.
Do you finance manufactured homes on leased land?
Yes, we have specialized programs for manufactured homes in mobile home parks and lake communities, including financing options for homes on rented land.
How quickly can you close a mortgage loan?
Our average closing time is 21 days, with digital processing tools and experienced underwriters working to meet urgent timelines while maintaining compliance standards.
What credit score do I need for mortgage approval?
We work with clients across credit profiles, including those with fair credit. Our loan specialists help improve approval chances through debt management strategies and alternative documentation methods.
Are your mortgage rates competitive?
We guarantee competitive rates through relationships with multiple investors. Our rate lock options protect against market fluctuations while providing transparent cost breakdowns.
