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Section 184 vs. FHA vs. Conventional: Which Loan Actually Saves You More?
Nov 4, 2026 6 min read
Section 184 vs. FHA vs. Conventional: Which Loan Actually Saves You More?

For eligible Native American homebuyers purchasing on trust or restricted land in our Oklahoma coverage area, a Section 184 loan can require a down payment as low as 1.25–2.25% with no ongoing annual mortgage insurance — often beating both FHA (3.5% down, with upfront and annual mortgage insurance) and conventional financing (commonly 5% or more down, plus private mortgage insurance below 20% equ

Earnest Money 101: What It Is, How Much Is Normal in Texoma, and When You Get It Back
Nov 3, 2026 2 min read
Earnest Money 101: What It Is, How Much Is Normal in Texoma, and When You Get It Back

Earnest money is a good-faith deposit that shows a seller you're serious about the purchase — it is not an extra fee, and it is not held by your agent. In our Texoma market, it's typically 1%–2% of the purchase price, held by a neutral title or escrow company until closing.When you make an offer, you put down a deposit that gets credited toward your down payment and closing costs at closing. It d

Pre-Qualified vs. Pre-Approved: The Difference That Can Cost You the House
Nov 3, 2026 1 min read
Pre-Qualified vs. Pre-Approved: The Difference That Can Cost You the House

Pre-qualification is a quick, self-reported estimate with no verification behind it. Pre-approval means a lender has actually checked your income, credit and assets. In a competitive Texoma market, listing agents can tell the difference — and it changes how seriously your offer gets taken.Pre-qualification tells you roughly where you stand. Pre-approval tells a seller you've been vetted.Well-pric

Top 5 Questions Buyers Ask About Buying a Home in Ardmore
Nov 3, 2026 5 min read
Top 5 Questions Buyers Ask About Buying a Home in Ardmore

Buyers considering Ardmore, Oklahoma most often want to know what homes cost, which neighborhoods to look at, how the schools stack up, how competitive the market is, and what day-to-day life looks like in this Carter County city of roughly 24,700 people at the junction of Interstate 35 and U.S. Highway 70. Here are direct answers to the five questions we hear most.Over the three months ending in

What Does a Real Estate Sales Consultant Actually Do? (It's More Than Just Showing Houses)
Nov 3, 2026 6 min read
What Does a Real Estate Sales Consultant Actually Do? (It's More Than Just Showing Houses)

A real estate sales consultant does far more than unlock doors and walk buyers through houses: pricing strategy, marketing, negotiation, and contract-to-close management are where a good agent actually earns their commission. In the Lake Texoma market specifically, where waterfront rules, flood zones, septic systems, and resort-community HOAs add real complexity, the difference between an agent w

Why You Should Consider Buying a Durant Foreclosure
Nov 2, 2026 10 min read
Why You Should Consider Buying a Durant Foreclosure

A foreclosed home in Durant, Oklahoma can be a genuine path to homeownership at a below-market price, but it comes with real trade-offs: limited inspection access, deferred maintenance, and a process that moves on the lender's or court's timeline rather than yours. With Durant's typical home value sitting around $219,000 as of early 2026 — essentially flat over the past year — a well-chosen forec

Texoma Real Estate Market Update — November 2026
Nov 1, 2026 14 min read
Texoma Real Estate Market Update — November 2026

As of this writing, the average 30-year fixed mortgage rate stands at 7.24%, according to Freddie Mac's Primary Mortgage Market Survey for the week ending October 29, 2026 — back up after a brief dip in September. Across the Lake Texoma region, that means higher borrowing costs are colliding with rising inventory in several counties, giving today's buyers more room to negotiate than they've had i

B&J Co. Is Open: A New Real Estate Brokerage Serving Southern Oklahoma and Lake Texoma
Oct 31, 2026 8 min read
B&J Co. Is Open: A New Real Estate Brokerage Serving Southern Oklahoma and Lake Texoma

B&J Co. is a real estate brokerage in Colbert, Oklahoma, owned by Brian and Jonelle Allen of the Love My Texoma Home Team. We help buyers, sellers, lake home owners and land buyers across Southern Oklahoma, Lake Texoma and North Texas, and we're officially up and running! 🎉 It's the same Brian and Jonelle you know, with the same local service you've counted on. Now our Oklahoma business has its

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