1st Capital Mortgage

Business Details

Your Trusted Mortgage Partner in Owasso, OK

At 1st Capital Mortgage, we pride ourselves on being Oklahoma's preferred mortgage lender, dedicated to making homeownership accessible and stress-free. With over two decades of combined experience in the mortgage industry, our team of certified professionals specializes in tailoring financing solutions to meet the unique needs of first-time homebuyers, veterans, and refinancing clients. We offer a comprehensive range of loan programs including FHA, VA, USDA, conventional, and jumbo loans, backed by competitive rates and personalized service. Our commitment to transparency ensures no hidden fees, while our local expertise across Oklahoma, Arkansas, and Kansas allows us to provide insights that national lenders cannot match.

Recognized as the #1 rated mortgage company in Owasso, we prioritize client satisfaction through 24/7 support and a streamlined application process that delivers fast pre-approvals. Our NMLS-accredited team adheres to the highest ethical standards, maintaining secure data practices and fostering long-term relationships built on trust. By combining industry-leading expertise with community-focused service, we empower clients to achieve their homeownership goals with confidence.

Services

FHA Loans VA Loans USDA Loans Conventional Loans Jumbo Loans Refinance Options HUD-184 Loans Fixed-Rate Mortgages Adjustable-Rate Mortgages Cash-Out Refinance

Highlights and features

We offer personalized mortgage solutions tailored to your unique needs
Our team provides fast pre-approvals with the most competitive rates available
We specialize in FHA, VA, USDA, and conventional loan programs
Our NMLS-accredited professionals maintain the highest ethical standards
We serve clients across Oklahoma, Arkansas, and Kansas with local expertise

Associations and certifications

NMLS (National Mortgage Licensing System)

What people say

Excellent service Smooth process Knowledgeable staff Competitive rates Timely responses

Website

Update Listing

Services

FHA Loans

FHA loans provide low down payment options for first-time homebuyers. These government-backed mortgages require as little as 3.5% down payment with flexible credit requirements. Our FHA-certified loan officers guide clients through the entire process, ensuring compliance with federal regulations while securing competitive interest rates for primary residences.

VA Loans

VA loans offer zero down payment options for veterans and active military personnel. As a specialized VA-approved lender, we help eligible borrowers access favorable terms including no private mortgage insurance. Our team handles the unique documentation requirements and certificate of eligibility process to streamline VA loan approvals for Oklahoma service members.

USDA Loans

USDA loans enable home purchases in eligible rural areas with zero down payment. We assist income-qualified buyers in qualifying for these USDA Rural Development programs, navigating property eligibility maps and income limits. Our specialists ensure proper USDA underwriting standards are met while maintaining fast processing times for qualified applicants.

Conventional Loans

Conventional loans provide flexible financing options for primary and investment properties. We offer conforming and jumbo conventional loans with competitive rates for borrowers with strong credit profiles. Our conventional loan specialists help clients choose between fixed-rate and adjustable-rate options while optimizing loan-to-value ratios to avoid mortgage insurance when possible.

Refinance Options

Refinance programs help homeowners reduce monthly payments or access home equity. We offer cash-out refinances, rate-and-term refinances, and streamline options for existing mortgage holders. Our refinance specialists analyze current loan terms to determine the best strategy for lowering interest rates, shortening loan terms, or consolidating debt while considering closing costs and break-even points.

People

Heather Westemeir

Loan Officer

Heather Westemeir is a VA loan specialist with extensive knowledge of military benefits. She provides personalized guidance through text, phone, and email, ensuring clear communication and timely responses for service members and veterans seeking homeownership solutions.

Ron Dunaway

Senior Loan Officer

Ron Dunaway brings years of mortgage expertise to first-time buyers and refinancing clients. Known for Saturday closings and rapid response times, he specializes in navigating complex loan scenarios while maintaining a client-focused approach that prioritizes transparency and education.

Andy Cobb

Loan Officer

Andy Cobb at the OKC branch delivers efficient mortgage solutions with personalized attention. He specializes in guiding clients through the loan process with clear communication, ensuring all questions receive timely answers while securing competitive rates for home purchases and refinances.

Janna

Loan Specialist

Janna provides responsive mortgage guidance with a focus on client education. She streamlines the loan process through proactive communication, helping buyers and refinancers understand each step while maintaining efficient document processing and approval timelines.

Barb

Loan Coordinator

Barb supports clients through the mortgage process with organizational expertise. She ensures smooth transactions by coordinating documentation, managing timelines, and providing clear status updates to maintain efficient closings for first-time buyers and experienced homeowners alike.

Questions

What loan programs do you offer for first-time homebuyers?

We specialize in FHA loans requiring 3.5% down, USDA loans with zero down payment for rural areas, and conventional loans with flexible down payment options. Our counselors help determine your eligibility for these programs.

Can veterans qualify for special mortgage benefits?

Yes, we offer VA loans with zero down payment options, no private mortgage insurance requirements, and competitive rates specifically for veterans, active military personnel, and eligible surviving spouses.

How does the refinance process work?

Our refinance process starts with analyzing your current mortgage to determine potential savings. We offer cash-out refinances, rate-and-term adjustments, and streamline options to help lower payments or access home equity.

What areas do you serve?

We provide mortgage services throughout Oklahoma, Arkansas, Kansas, Texas, and Missouri, with specialized knowledge of local housing markets and property eligibility requirements for government loan programs.

How can I get pre-approved for a mortgage?

Start by submitting basic financial information through our website or contacting our team directly. We provide fast pre-approvals within 24 hours to help you understand your budget before house hunting.

What makes you different from national lenders?

As a local Owasso-based lender, we offer personalized service with face-to-face meetings, faster decision-making, and deeper community knowledge compared to large national banks that often outsource their mortgage operations.