Mortgage Banking

Your Home Matters at Mabrey

Unlock Your New Home

Mabrey Bank’s Mortgage team believes in the power of personalized service and tailored mortgage loan options to fit every budget and circumstance. Throughout the homebuying process, our dedicated team of experts are with you every step of the way to ensure your goals are met with the responsiveness and care Mabrey Bank is known for.

Whether you are buying for the first time, looking to refinance or searching for your forever home, our team is ready to take the time to design a mortgage solution that is perfect for you. Our extensive range of loan products and competitive rates make it easy to find the right option for you.

Experience the difference of working with a Mortgage team that is committed to you.

Find a Loan That’s Right for You

Conventional Loan

A traditional loan that meets the requirements for government-sponsored mortgage purchasers Fannie Mae or Freddie Mac.

  • The most common home loan
  • Could have lower interest rates than other loans
  • Allows for slightly smaller down payments if your credit score is good
  • Wide variety of property options available
  • Mortgage insurance premium (MIP) payments can be canceled once 20% of loan is paid

FHA Loan

A government-backed mortgage loan with lenient credit, lower down payment and low-to-moderate income requirements.

  • Often used by first-time home buyers
  • Borrowers could qualify with significant debt or low credit score
  • Low down payment options available with lower credit score
  • Mortgage insurance premium (MIP) payments required
  • Closing costs can be rolled into your loan

Jumbo Loan

A non-conforming mortgage loan that exceeds the amount limits set by the Federal Housing Finance Agency.

  • Used with high-priced home purchases or refinances
  • Strict requirements including property type, down payment, credit score and debt-to-income ratio
  • Often manually underwritten
  • Can be fixed or adjustable-rate mortgages
  • Closing costs are typically higher

VA Loan

Loans backed by the government as a benefit of military service for eligible veterans, active service members or qualifying surviving spouses.

  • Typically feature no down payment to purchase or refinance
  • Low-interest rates
  • No mortgage insurance premium required
  • Lenient credit score requirements for borrowers
  • Low and capped closing costs


A competitively priced mortgage loan backed by the U.S. Dept. of Agriculture for low-income individuals living in designated rural areas.

  • Must meet rural area qualifications
  • No down payment required
  • Low-interest rates for those that qualify
  • All USDA loans come with upfront and annual guarantee fees
  • Closing costs still apply

HUD 184 Loan

A mortgage loan program for Native American and Alaskan Native tribal members.

  • Loan must be for purchasing or refinancing a primary residence
  • Must be fixed rate loans
  • Low down payment options
  • Low upfront and monthly mortgage insurance requirements
  • Relaxed and flexible qualification requirements

Meet Our Mortgage Lending Expert

Jeff Moser, Director of Mabrey Mortgage

A mortgage lender for more than 20 years, Jeff Moser excels at finding a loan solution that works best for you while treating you and your family with the care and service that have been hallmarks at Mabrey for a century. Jeff and his team at Mabrey look forward to helping you finance your next dream home.


How does my credit score affect my home loan interest rate?

In general, a higher (better) credit score will qualify you for a lower interest rate, and visa versa. Depending on the type of mortgage loan a borrower is wanting, their credit score will be more, or less, important. For example, an FHA Loan will typically allow for a lower credit score than a Conventional Loan. Check out each of the mortgage loans we offer at Mabrey to get a better idea of what loan type fits your needs.

Which loan is right for me?

With several options for mortgage loans at Mabrey Bank, it’s likely that you’ll find one that works for you. If you are interested in a traditional home loan, a Conventional Loan might be best. For a first-time home buyer, an FHA Loan could be right for you. For a large home purchase, check out our Jumbo Loan option. If you are or were a member of the military, see if you qualify for a VA Loan. Moving outside the city? Check out our USDA Loans. Or if you are a Native American of a federally recognized Tribe, see our HUD 184 Loans. Explore all of our home loan options and educate yourself on the right choice for you.

Do I need a home appraisal to get a home loan?

Yes. When applying for any of our mortgage types, you will need a home appraisal to ensure the home is worth what you’re paying for it.

How long does the loan process take?

Depending on the type of mortgage loan needed and the applicant’s financial credentials (credit score, debt-to-income ratio, credit history, down payment amount and more) this process could take anywhere from a few days to a few months. Start your application now.

How much can I afford?

Every home purchase and borrower is different and unique. Typically, the largest factor in how big a loan you can be preapproved for is your debt-to-income (DTI) ratio. Most lenders require a DTI of 43% or less. That number could be lower depending on your financial history and credit score.

What is the minimum down payment for the different types of loans?

Some mortgage loans such as VA Loans or USDA Loans do not require a down payment. Others such as FHA Loans (3.5%) or HUD 184 Loans (as low as 1.25%) require a small down payment. Conventional Loans require 20% down to avoid paying mortgage insurance.

How do I figure out how much equity I have?

First, you will need to find out the appraised value of your home. While you can check online agencies that estimate the value of your home, offering a rough guess, these are not an actual appraised value. After finding out the current value of your home, total the amount of loans outstanding on the cost of the home. Then, subtract the total from the appraised value to determine how much equity is in your house.

What is PMI?

PMI (or Private Mortgage Insurance) is the mortgage insurance that is required to be paid by the borrower to protect the lender in case of a default on the loan. PMI is required on Conventional Loans where the homebuyer puts a down payment that is less than 20% of the purchase price of the home. Depending on your credit score, PMI typically ranges from 0.58% to 1.86% the cost of the loan annually. The cost of mortgage insurance will vary depending on the size of loan, the down payment amount, the borrower’s credit score and more.

Does pre-qualifying impact my credit score?

No. Prequalification or preapproval for a mortgage loan will not affect your credit score. Once you officially apply for a mortgage loan, then your score could be impacted.

What’s the difference between an APR and an interest rate?

An interest rate is the annual cost of borrowing the principal loan amount. Annual Percentage Rate, or APR, takes into account the total yearly cost of borrowing, not just the interest on the principal loan amount. This could include origination fees, broker fees, discount points, mortgage insurance, closing costs and more.

How much will my mortgage be with taxes and insurance?

The total cost of your mortgage, including taxes and insurance, will depend on a large variety of factors. Use our mortgage calculator to get a rough estimate of what your monthly payment might be.

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