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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

Texoma Home Buying 101

Financing & Lending

Recent Blog Posts

Apr 7, 2023 1 min read

SOLD: 3416 Carriage Point Drive, Durant, OK – Cottage-Style Home with Storm Cellar

✅ SOLD · APRIL 7, 2023On April 7, 2023 we closed on 3416 Carriage Point Drive in Durant, Oklahoma, a 3 bedroom, 2 bath cottage-style home. It sold for $220,000 and we represented the seller.$220,000Sold price$239,000List price17 daysTo contract3 / 2Beds / baths1,477Square feet8,276 sq ftLot size$149Per square foot2011Year builtSellerWe representedThis Silo-school-district cottage has vaulted ceil

Apr 4, 2023 1 min read

SOLD: 106 Umsted Avenue, Colbert, OK – 3 Bed, 1 Bath Home in Colbert

✅ SOLD · APRIL 4, 2023On April 4, 2023 we closed on 106 Umsted Avenue in Colbert, Oklahoma, a 3 bedroom, 1 bath home. It sold for $125,000 and we represented the seller.$125,000Sold price3 / 1Beds / baths710Square feet$176Per square footSellerWe representedThis Colbert home offers 3 bedrooms and 1 bath.It sold for $125,000 on April 4, 2023, about $176 per square foot.Brian Allen and Jonelle Pate

Mar 28, 2023 1 min read

SOLD: 109 Westminister Dr, Pottsboro, TX – Lake Texoma Retreat in Cambridge Shores

✅ SOLD · MARCH 28, 2023On March 28, 2023 we closed on 109 Westminister Dr in Pottsboro, Texas, a Lake Texoma retreat on a creek lot in Cambridge Shores. We represented the buyer.11 daysTo contract3 / 2Beds / baths1,844Square feet8,015 sq ftLot size1975Year builtBuyerWe representedThis Cambridge Shores home sits among towering trees on the last street before the lake, with a 54x25 deck.It closed o

Mar 16, 2023 1 min read

SOLD: 122 S Ricketts St, Sherman, TX – Newer Craftsman Home on a Corner Lot

✅ SOLD · MARCH 16, 2023On March 16, 2023 we closed on 122 S Ricketts St in Sherman, Texas, a 3 bedroom, 2 bath craftsman-style home on a corner lot. We represented the seller.8 daysTo contract3 / 2Beds / baths1,248Square feet7,492 sq ftLot size2017Year builtSellerWe representedThis newer Sherman home has a front porch, an open-concept living area and a luxury primary bath.It closed on March 16, 2

Mar 13, 2023 1 min read

SOLD: 109 Arkansas St, Pottsboro, TX – 3 Bed Home Near Lake Texoma

✅ SOLD · MARCH 13, 2023On March 13, 2023 we closed on 109 Arkansas St in Pottsboro, Texas, a 3 bedroom, 2 bath home minutes from Lake Texoma. We represented the seller.161 daysTo contract3 / 2Beds / baths1,796Square feet0.59 acresLot size1968Year builtSellerWe representedThis Pottsboro home offers an open-concept layout and is minutes from Lake Texoma, for full-time living or a getaway.It closed

Feb 28, 2023 1 min read

SOLD: 2611 Rodeo, Durant, OK – 4 Bed Home on 1 Acre

✅ SOLD · FEBRUARY 28, 2023On February 28, 2023 we closed on 2611 Rodeo in Durant, Oklahoma, a 4 bedroom, 1 bath home on 1 acre. It sold for $170,000 and we represented the seller.$170,000Sold price$170,000List price100%Of list price29 daysTo contract4 / 1Beds / baths1,368Square feet1 acreLot size$124Per square foot1971Year builtSellerWe representedThis home offers a little land and country feel w

Feb 24, 2023 1 min read

SOLD: 11893 E Little Road, Kingston, OK – 2 Bed, 1 Bath Home in Kingston

✅ SOLD · FEBRUARY 24, 2023On February 24, 2023 we closed on 11893 E Little Road in Kingston, Oklahoma, a 2 bedroom, 1 bath home. It sold for $160,000 and we represented the seller.$160,000Sold price2 / 1Beds / baths961Square feet$166Per square footSellerWe representedThis Kingston home offers 2 bedrooms and 1 bath near Lake Texoma.It sold for $160,000 on February 24, 2023, about $166 per square f