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Loan Help

Do you wish to finance a home in Oklahoma City? Niki Higgins can help.

Feeling lots of anxiety over applying for a mortgage? You don't have to be. I have excellent relationships with several lending companies in the Oklahoma City area, and they've helped me realize some things that can make the loan application process effortless.


1 – Compose a list of questions about your loan program

Make sure you have a list of questions with you if you don't perfectly comprehend the ins and outs of all the various loan programs. It is a challenge to know the characteristics of fixed and adjustable rate mortgages. One of my lender contacts or I can help you understand the advantages and disadvantages of each program.

2 – Determine when you want to lock

By locking in an interest rate, the lender is guaranteeing the interest rates for the loan – generally at the time the loan application is received. By floating the rate, you can lock the rate at any time between application and issuance of closing documents. Buyers who elect to float believe the interest rates will dip in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Bring your paperwork

Getting a loan requires a lot of paperwork, so you should spend some time getting your documents together. Click here to see common information that goes on a loan application.


Need More Assistance?

Getting your mortgage is just one part of getting into a new home. Niki Higgins is seasoned at helping both new and experienced buyers alike in all areas of real estate. Contact me if your needs include a real estate pro experienced at the business side of buying and selling.

What Others Are Saying

Niki is very helpful and knowledgeable realtor. She helped me find the house that I was looking for. She is good at negotiating for the purchase of a property. She is a very personable and I recommend her very highly. Sherry M.
Niki is a very warm and personable person on top of being an awesome professional. She helped us find the home and location of our dreams and extremely quickly sell our existing home. She guided us through the processes with ease. Her nature, experience and customer service are quintessential to the field! We highly recommend Niki to helping you buy or sell your home. Thank you Niki; we are ever so grateful!! Jeff
Niki is an absolute joy to work with. Two years ago she sold our Edmond home in two weeks and got us just what we wanted for it, and now we have just purchased a new home that she helped us find. Niki is thoughtful, patient, honest, and knows real estate! Her referrals for a mortgage lender, home appraisal, and even professional packers were awesome. Niki is a seasoned Realtor with too many attributes to list- suffice to say, if you need a Realtor she is your gal. Mikala Price
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Niki Higgins
Real Estate Broker | Lifestyle Realty 
Oklahoma City, OK 73162
405-919-1098
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