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Get Started

Homeownership Dreams?

MidFirst offers affordable mortgage program options for our borrowers ─ including programs for first-time homebuyers¹, loan programs without mortgage insurance, closing cost credits and access to down payment assistance programs.

By getting started online, you can take the next steps to apply for a loan. You will be directed to a page where you can choose the loan that best fits your needs.

Already working with a lender? Click here to contact them.

MidFirst Down Payment Assistance & Closing Cost Grant Programs²

Limited availability — ask for details
A $6,500 grant available exclusively for MidFirst Dream Home Loan borrowers
Grant can be applied to the down payment and/or closing costs of a home purchase
No payback of grant required
Can be layered with other down payment assistance programs
The property must be owner-occupied as a primary residence

MidFirst Dream Home Loan³

Up to 100% financing⁴
Flexible underwriting
No Private Mortgage Insurance (PMI)
Lender Origination Fees of $995 waived

Helpful Financial Calculator

MidFirst Bank's online calculators are a great way to make informed decisions about your finances. Explore home affordability, calculate mortgage payments or determine if you should rent or buy.

Use Our Mortgage Calculators

Disclosure

¹MidFirst follows Fannie Mae guidelines, which considers a first-time homebuyer as someone who has not owned a residential property in the last three years.

²Down payment and/or closing cost grant: Grant funds are limited — ask us about availability. If funds are available, grant programs are limited to applicants who qualify for and use the Dream Home Loan to purchase a primary residence, and who meet at least one of the following criteria: (1) are a first-time homebuyer, or (2) have a combined annual income considered Low-to-Moderate income (less than 80% of the median family income of the applicable MidFirst Assessment Area, based on data published by the FFIEC). Grant funds must be applied to closing costs and/or down payment on loan and cannot be combined with other MidFirst grant programs. MidFirst will report payment of the grant funds to the IRS as required by applicable law. There may be tax implications associated with receiving the grant — please consult your tax advisor if you have any questions.

³Dream Home Loan Eligibility: Available to applicants 18 years or older whose Collateral property is their primary residence located within a MidFirst Assessment Area. To qualify, applicant(s) must meet at least one of the following criteria: (1) be a first-time homebuyer, or (2) have a combined annual income considered Low-to-Moderate (less than 80% of the median family income of the applicable MidFirst Assessment Area, based on data published by the FFIEC)

⁴A down payment may be required under certain circumstances — ask for details when you apply.