Specialty

SPECIALTY LENDING OPTIONS FOR YOUR UNIQUE BORROWING NEEDS.

We know that every borrower is unique and that the in-the-box nature of mortgage lending leaves some credit-worthy applicants unable to qualify for a mortgage loan in Oklahoma. Fortunately, First Liberty Bank's mortgage division offers several specialty mortgage products for your unique borrowing needs. 

WHAT TYPE OF SPECIALTY MORTGAGE LOANS ARE AVAILABLE?

• Bank Statements for Income Qualification. For the self-employed borrower who may not qualify using traditional income documentation methods such as tax returns, our bank statement program lets you qualify based on average deposits over the past 12 or 24 months.
  
  
• Debt Service Coverage Ratio Loans. Qualify to purchase or refinance an investment property using only the cash flow generated by that property for income. No personal income documents are required to qualify.
  
  
• Non-Prime Credit Loans. Have you had a recent major credit event, such as a bankruptcy filing, foreclosure, or short sale? We have programs for borrowers who may not qualify for traditional mortgage programs due to strict significant credit events.

This is not a commitment to lend; you must submit additional information for review and approval. Rate, Annual Percentage Rate (APR), and terms are subject to change without notice. Certain restrictions apply to all programs. See your FLB Mortgage Loan Officer for complete program guidelines, loan application, applicable fees and annual percentage rates (APRs) for all loan programs. Full underwritten approval is required, and all loan approvals are subject to credit, income and asset review and approval. Bank NMLS#1215182