Closing costs usually total 2–5% of the home’s price and include lender fees, title insurance, appraisal, taxes, and prepaid interest. Examples For a $300,000 home, expect $6,000–$15,000 in costs. Some can be negotiated or paid by the seller, especially if the property has been on the market for

Earnest money is your way of showing sellers that you’re serious. In Tulsa, it typically equals 1–2% of the purchase price and is held by a title company in escrow until closing. When It’s Refundable If your deal falls through due to financing or inspection contingencies, your earnest money is refun

  Pre-qualification is your first step toward serious home buying. It estimates how much you can afford and proves your readiness to sellers. What Lenders Need You’ll provide: Two years of W-2s or tax returns Two months of bank statements Recent pay stubs and ID Local Lender Advantage Tulsa lenders