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Buyers should be prepared for extra review by lenders when underwriting mortgages due to new mortgage regulations that took effect in January, particularly in proving borrowers’ ability to repay their loans. Borrowers should be prepared to show bank statements, tax returns, W-2s, investment accounts, and documentation of any other assets they own.
Also, they should be prepared to explain any large deposits to their accounts—even a $500 check from a family member during the holidays. If they can’t prove where the money came from, it has the potential to delay closing.
Buyers may have the upper hand this year. Lenders have lost a large amount of their refinance business this year as rising rates encourage fewer homeowners to refinance. That means they are turning their attention to homebuyers and may be more willing to compete for their business. Homebuyers will want to shop around for more than just the best interest rate on the loan, looking at points and closing costs as well.
Licensed Real Estate Agent OKLAHOMA
Luke Lewis is a 23-year-old Realtor® passionate about transforming the home-buying and selling experience into something truly personalized and stress-free. Deeply rooted and raised in Sequoyah County Oklahoma, Luke brings fresh perspective and strong commitment to serving buyers, sellers, and investors across the community.
Real estate should go beyond transactions; it’s about understanding each client’s unique goals, lifestyle, and vision for the future in this beautiful region of lakes, rivers, and rich history. Luke listens closely, communicates clearly, and delivers tailored solutions making buying and selling real estate exciting rather than overwhelming. Take advantage of Luke’s life long local experience to find the perfect rural property, land for sale, hobby farms, investment land or Lake Tenkiller waterfront homes.
Ready to elevate your real estate journey in Sequoyah County? Luke will make you feel at home before you ever get the keys!
Proudly Serving:
Sallisaw, Roland, Vian, Gore, Muldrow, Fort Gibson, Muskogee, Tahlequah, Stigler, Poteau.
Lake & Lifestyle Communities: Lake Tenkiller area, Cookson, Vian (Lake Tenkiller side), Keys / Keys Landing, Braggs, Porum (Lake Eufaula area), Checotah (Lake Eufaula area), Gore (Illinois River corridor)
Land, Ranch & Investment Property: Webbers Falls, Marble City, Moffett, Hulbert, Welling, Park Hill, Bunch, Panama, Howe, Heavener.
Rural & Acreage: Webbers Falls, Marble City, Moffett, Hulbert, Welling, Park Hill, Bunch, Panama, Howe, Heavener
Counties: Sequoyah County, Cherokee County, Muskogee County, Haskell County, Le Flore County, Adair County
