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Capital Homes Financing

Our Approach to Home Financing

Here to answer all of your questions, big and small.

Our experienced team of preferred lenders are here to help you throughout every step of the process when purchasing your new home. Think of us as your personal home buying assistant that’s here to answer all of your questions, big and small. Not to mention, we’ll always do so with a smile on our face and a helpful attitude.

At the end of the day, it’s all about finding the right home to fit your specific needs.

At Capital Homes, we believe a large part of our responsibility to you is to cut through the smoke and mirrors and make what could otherwise be an overwhelming process simple, fun, and most importantly, focused on you and your needs.

At the end of the day, we realize that in spite of any incentive, deal, or flashy headline, what matters most is finding the right home to fit your specific and unique needs, the quality of that home, and the price you ultimately pay. If you are thinking about purchasing a home, we’re here to help. We’ll work together to find the perfect solution for your unique situation.

Why don’t we display incentives or deals?

Is this because we don’t offer incentives? No!

In fact, we have incentives on every home we build, but we cater them specifically to your needs.

Our Financing Process

Explore the way we work and how we will involve you, every step of the way to ensure every detail is exactly as you dreamed.

Move into your new dream home!

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Capital Homes Clean Slate Program

Making Homeownership Simple, Stress-Free, and Within Reach

At Capital Homes, we believe everyone deserves a fresh start — and a home they love.

That’s why we created our Clean Slate Program, designed to help more Oklahomans move confidently into a brand-new home, even if life (and credit) hasn’t been perfect.

Whether you’re a first-time buyer, starting over, or simply ready for a change, the Clean Slate Program helps you take the next step toward homeownership — without the stress or confusion that often comes with traditional financing.

  • What is the Clean Slate Program?

    The Clean Slate Program is Capital Homes’ way of saying “we see your potential, not your past.” It’s a path to homeownership for people who may need a little extra guidance to get financially ready to buy a new home.

    Through the program, we connect you with trusted local lenders and credit experts who can help:

    • Review your current financial situation.
    • Create a personalized plan to improve your credit score.
    • Offer guidance on down payment options and assistance programs.
    • Prepare you to qualify for a mortgage — often faster than you think.

    The goal? To give you a clear, achievable path to owning a Capital home.

  • Why We Started It

    We’ve met so many hardworking people who dream of owning a home but feel stuck because of a few financial bumps in the road. The Clean Slate Program was created to open doors for those buyers — literally.

    At Capital Homes, we’ve always believed in being a hometown builder that puts people first. Clean Slate is part of our commitment to helping Oklahoma families build strong futures, one home at a time.

  • Who Can Benefit?

    The Clean Slate Program is a great fit if you:

    • Have been turned down for a home loan before.
    • Are rebuilding credit after life changes.
    • Need help understanding how to qualify for a mortgage.
    • Want to plan for homeownership in the next 6–12 months.
    • Even if you’re not ready to buy today, our team can help you map out a plan to make it happen soon.
  • How It Works

    1. Connect with a Capital Homes New Home Specialist.
    2. They’ll help you get started and connect you with one of our Clean Slate lending partners.
    3. Review Your Financial Snapshot.
    4. Together, you’ll go over your credit, income, and goals to see where you stand.
    5. Create Your “Clean Slate” Plan.
    6. You’ll get a step-by-step guide tailored to your situation — including ways to improve credit, reduce debt, or access programs that make buying easier.
    7. Start Building Your Future.
    8. Once you’re ready, we’ll help you find the perfect community, floor plan, and home that fits your lifestyle.

Our Preferred Lenders

We have partnered with local mortgage lending offices that are able to help take the mystery out of financing a home. Every family is different; so is every mortgage. Finding a lender you know you can trust has never been more important. Contact a New Homes Specialist today to see which lender may best fit your needs.

Frequently Asked Questions

Here are a few of the most common questions homebuyers ask about financing a home.

Are down payment assistance programs available for Capital Homes buyers?

Yes, some state and federal down payment assistance programs may be available depending on eligibility. Your lender can help determine whether you qualify and guide you through the application process.

What happens if interest rates change during the construction process?

If rates change, your lender will review available options such as extended rate locks, re-locks, or interest rate buy-downs to help keep your monthly payment manageable.

When are closing costs finalized for a new construction home?

Closing costs are finalized closer to the closing date, once your lender and title company complete all required documentation. You’ll receive clear estimates in advance so there are no surprises.

How much earnest money is required when purchasing a Capital Homes home?

Earnest money is typically $1,000 to get started. Your New Home Specialist will confirm the exact amount before you sign your contract.

What types of mortgage loans work best for new construction homes?

Most buyers use Conventional, FHA, VA, or USDA loans, depending on eligibility. Your lender will help determine which loan type best fits your financial situation and home goals.

Do I need to be pre-approved before touring homes or writing a contract with Capital Homes?

You’re welcome to tour homes without pre-approval. However, a mortgage pre-approval is required before writing a contract to confirm financing eligibility.

Kellie, Jhonn & Ruby

“We were SO excited to learn we had $20k to use our way to do some additional upgrades to our new home! Extending the patio, adding a 3rd car to our garage, an upgraded bathroom, new fireplace and kitchen cabinets made our house even more exciting to move into! We love Capital Homes!”

Kellie, Jhonn & Ruby
The Villas at Emerald Falls

Kathy

“The home-buying process with Isabel was a dream. I so appreciated how Isabel handled every concern with care, making the experience effortless. All I had to worry about was packing my bags. When moving day came, Isabel even stopped by with my favorite drinks.”

Kathy
Morrow Place III

Marco & Lizbet

“This is the second home we’ve built. The difference of working with Wayne and Capital Homes was night and day. We LOVE our new home so much. But we’ll miss working with the team. They’ve become family to us!”

Marco & Lizbet
The Reserve at Parker Village

Charles & Johnita

“Honestly, we loved working with Allen and Capital Homes so much, we could never move or go anywhere else. They made the process so incredibly fun and easy.”

Charles & Johnita
The Villas at Emerald Falls

Cheyenne and Jeremy

“From day one, we were set on creating a space that would reflect our unique personalities, dreams, and aspirations as newly weds and first time home buyers. We couldn’t wait to bring our vision to life! We had SO much fun working with Capital Homes and ultimately creating our perfect place.”

Cheyenne and Jeremy
Emerald Falls

Jacob & Marlee

“We are so excited to start life together and go through the homebuilding process. Bryon is so great and has been so helpful.”

Jacob & Marlee
Ironwood

Padilla Family

“We absolutely love our new home! It’s been such a joy taking the kids—and our new puppy—out to explore the neighborhood. Everyone at Capital Homes has been so kind and helpful throughout the entire process. We’re excited to start this new chapter and make lasting memories here.”

Padilla Family
Woodlands at Elm Creek

Beth Gilbert

“I love my home so much. I’ve had so much fun decorating and making it my own! I even host my entire family for dinner each week! They love it just as much as I do!”

Beth Gilbert
Bradford Park

Pat and Andi

“We feel blessed to be where we are now and love being a part of our community, joining our neighbors on walks and escaping to the lake with our family. We are grateful for our new home and the opportunity to be closer to our loved ones. We would recommend Aspen Crossing and the Capital Homes experience to friends and family without hesitation.”

Pat and Andi
Aspen Crossing Patio Homes

Sandy & Bob

“It’s our first time in a new home and we love how there is hardly any maintenance. If anything comes up, we feel at ease knowing we can call the warranty team. They are quick to answer and assist us with any questions. We love walking out our door and hanging out with our neighbors. It’s such a lovely community of young families and retired couples. The perfect mix of life for us in this new chapter.”

Sandy & Bob
Stone Villa

Mitchell & Kala Sand

“We love Stone Villa so much that we have been recruiting all our friends to move to the community. Every house that goes up for sale – we scope it out and recruit our buddies to come live here. If that doesn’t say something… we don’t know what will!”

Mitchell & Kala Sand
Stone Villa

Amber & Justin

“From high school sweethearts to homeowners, we looked long and hard to find the perfect place to start our future. Emerald Falls soon became everything we had hoped and planned for.”

Amber & Justin
Emerald Falls

Rich & Debbie

“The ease of not having to take care of hardly anything has been wonderful. A new home, a retirement community and peace of mind knowing we had a community of folks just like us sounded like a little slice of heaven. It has been 3 years now and we are settled into our daily routine. Giggling on our front porch, cooking our favorite foods, putting together puzzles and enjoying the simple things in life.”

Rich & Debbie
Aspen Crossing Patio Homes

Julia

“As a world-traveling gal who has lived all over, I was so excited to find the perfect mix of country living right outside the city lights. The process was so quick and easy that it felt like it was absolutely meant to be. I’m so happy I found Woodland Trails to start the next chapter.”

Julia
Woodland Trails

The Goodale Family

“I would recommend Capital Homes to home buyers because of their integrity. They stand behind everything they do from start to finish. The friendships we cultivated throughout the home-building process stands out the most. The staff at Capital Homes are not just “the people” who built our home. They are people we enjoy being affiliated with in the community – our first new friends!”

The Goodale Family
Emerald Falls

Pam & Mike

“We loved working with Lori and the design team! They made moving out of state so easy. They even helped us with finding places for us to buy furniture from after being retired and exploring the world by RV! Best part of all, the house is wheelchair-accessible for my husband. He can easily move throughout the house without us having to do any special upgrades!”

Pam & Mike
Stone Villa

Schedule a Private Tour

Ready to see your new home in person? Schedule a private tour with our sales team and explore the available homes that fit your timeline and lifestyle.

Meet Cynthia