Where do you call home? Visit www.homecreations.com to find your new home.

Home Creations, Oklahoma's #1 new home builder, offers new home communities in Oklahoma City, Norman, Edmond, Moore, Midwest City, Del City, Yukon, Lawton, Broken Arrow, Kiefer and Verdigris.

You'll love Home Creations' energy efficient, ENERGY STAR qualified new homes. We also build three tornado safety features into every single one of our new homes.

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onMouseOver="document.images['Splash'].src='/images/PriceInfo2.gif'" onMouseOut="document.images['Splash'].src='/images/PriceInfo1.gif'"> <IMG SRC="/images/PriceInfo1.gif" NAME="Splash" width="112" height="96" border="0"></A> <img src="/images/4x5spacer.gif" width="50" height="5" border="0"> <img src="/images/address.gif" alt="Call Us" border="0" align="top"> <img src="/images/4x5spacer.gif" width="50" height="5" border="0"> <img src="/images/yesClosing.gif" width="175" height="48" alt="Yes! We Pay Closing Costs!" border="0" align="top"> </td></tr></table> <table width=90% border=0 cellspacing=10 cellpadding=10 align=center> <tr><td colspan=2> <center><b><i><span style='font-size:24.0pt'> <img width=187 height=102 align="center" src="/images/image002.gif">Your New Home Financing</span></i></b> </td></tr> <tr><td colspan=2> Home Creations is proud to have JMR Mortgage, a subsidiary of First Mortgage Company, offer your new home financing. Should you select JMR Mortgage for your FHA, VA or conventional mortgage, Home Creations will pay your basic closing costs. You would then be responsible for a down payment, if one is required, and your pre-paid items (property taxes, homeowner's insurance and interest). </td></tr> <tr><td style="padding: 7.5pt;"> <p style="margin: 0in 0in 0pt;"><b><font face="Times New Roman" size="3"><span style="font-weight: bold; font-size: 12pt;">JMR Mortgage<o:p></o:p></span></font></b></p> <p style="margin: 0in 0in 0pt;"><b><font face="Times New Roman" size="3"><span style="font-weight: bold; font-size: 12pt;">(405) 793-1964                                                             </span></font></b>2236 N. Broadway<o:p></o:p></p> <p style="margin: 0in 0in 0pt;"><font face="Times New Roman" size="3"><span style="font-size: 12pt;">Peggy Luster, Mortgage Consultant                             <st1:place w:st="on"><st1:City w:st="on">Moore</st1:City>, <st1:State w:st="on">OK</st1:State> <st1:PostalCode w:st="on">73160</st1:PostalCode></st1:place><o:p></o:p></span></font></p> <p style="margin: 0in 0in 0pt;"><font face="Times New Roman" size="3"><span style="font-size: 12pt;">Jackie Whitaker, Processor                                           Fax: (405) 793-1649<o:p></o:p></span></font></p> </td> <td align="left" valign=center> <img width=144 height=110 src="/images/image003.gif"> </td></tr></table> <table width=80% border=2 align="center" cellpadding="20"><tr><td> <p align=center style='text-align:center'><b><i><font size="6">Down Payment Assistance</font>     <img src="/images/dollarsign.gif" width="39" height="41"></i></b></p> <p style='text-align:justify'>For home buyers needing help with their FHA loan down payment, Home Creations teams up with a company called PreferredProgram. This company provides buyers their three percent down payment funds at closing, with no obligation of repayment. Here's how the program works:</p> <p style='text-align:justify'>1. Buyers going through PreferredProgram agree to increase their purchase price by three percent (the amount of the FHA down payment) plus a $200 administrative fee.</p> <p style='text-align:justify'>2. Buyers qualify through one of our preferred lenders for an FHA loan based upon their income and credit obligations</p> <p style='text-align:justify'>3. Unlike some government bond money programs, PreferredProgram has no first-time borrower requirements, no inflated interest rate and no pre-payment penalties. If you qualify for an FHA loan, you are eligible to use PreferredProgram down-payment funds.</p> </td></tr></table> </td> </tr> </table> <table cellpadding=10 cellspacing=0 width="100%"> <tr> <td> <table width=82% border=2 align="center" cellpadding=20><tr><td> <p align=center style='text-align:center'><b><i><font size="6">FHA, VA & Conventional Financing</font></i></b></p> <p style='text-align:justify'>There are three types of home loans available to buyers: FHA, VA and conventional. Here are short summaries of each type of loan. For more details, please consult one of our preferred lenders.</p> <p style='text-align:justify'><b>FHA: </b>Down payment is 3% of the purchase price</p> <p style='text-align:justify'><b>FHA with down payment assistance:</b> The 3% down payment comes from PreferredProgram. The purchase price is raised by three percent plus a $200 administrative fee for borrowers electing to participate in this program.</p> <p style='text-align:justify'><b>VA: </span></b>No down payment is required. VA buyers may finance 100% of the purchase price. Borrowers who have served in the armed services may be eligible for VA benefits. </p> <p style='text-align:justify'><b>Conventional:</b> Down payment is 5% of the purchase price.  Borrowers with exceptional credit scores may be eligible for 97% - 103% conventional loans, which sometimes have higher interest rates. <b></b></p> </td></tr></table> </td> </tr> </table> <p> </p> <a name="calc"></a> <table BORDER="10" CELLSPACING=0 CELLPADDING=7 WIDTH="1" HEIGHT="1%" > <caption> </caption> <tr> <td ALIGN=CENTER COLSPAN="3" BGCOLOR="#E6F2FF"> <table WIDTH="500" > <tr> <td ALIGN=LEFT COLSPAN="2"><font face="Arial"><font size=-1 font color="#000093">To use this calculator your browser must be JavaScript enabled browser. For best results, please use the current version of Netscape Communicator or Microsoft Internet Explorer.</font></font><script LANGUAGE="LiveScript">  </script> <center> <form METHOD="POST"> <font face="Arial" size="-1" color="#000093"> <table> <tr> <td><b>Amount of loan ($)</b></td> <td><input TYPE=TEXT NAME=loan SIZE=10 onChange=update_number(this)></td> <td><input TYPE=BUTTON VALUE=Calculate onClick=compute_loan(this.form)></td> </tr> <tr> <td><b>Interest rate (%)</b></td> <td><input TYPE=TEXT NAME=rate SIZE=10 onChange=update_number(this)></td> <td><input TYPE=BUTTON VALUE=Calculate onClick=compute_rate(this.form)></td> </tr> <tr> <td><b>Number of payments</b></td> <td><input TYPE=TEXT NAME=num SIZE=10 onChange=update_number(this)></td> <td><input TYPE=BUTTON VALUE=Calculate onClick=compute_num(this.form)></td> <td> <center><input TYPE=hidden value=12 NAME=num_annum SIZE=10 onChange=update_number(this)></center> </td> </tr> <tr> <td><b>Amount of payment ($)</b></td> <td><input TYPE=TEXT NAME=amount SIZE=10 onChange=update_number(this)></td> <td><input TYPE=BUTTON VALUE=Calculate onClick=compute_amount(this.form)></td> </tr> </table> </form></center> <b>Directions:</b> To use Calculator fill in three of four blanks. Click the 'Calculate' button next to the remaining blank entry to obtain the result. </td> </tr> </table> </td> </tr> </table> </font> </center> <br> <table width=300 align="center" border=0><tr><td align=center> <a href="http://homecreations.org/new/women/women.shtml"><img src="http://homecreations.org/new/images/women.gif" width="75" height="64" alt="" border="0" align=""></a><br><br> <img src="http://homecreations.org/new/images/ReadersChoiceLogoSMALL.jpg" width="50" height="53" alt="" border="0" align=""><br><br> <img src="http://homecreations.org/new/images/CPBSMALL.jpg" width="75" height="76" alt="" border="0" align=""> </td><td align=left> <table align="center" background color="gray" border="1" width="25%"> <tr> <td align="center"> <a href="http://www.home-creations.com/Recommend/recommend.php" target="_new" title="Recommend this site to a friend." onMouseOver="window.status='Recommend this site to a friend.'; return true" onMouseOut="window.status=' '">Recommend this site to a friend.</a> </td> </tr> <tr><td align="center" valign="middle"> <form action="http://home-creations.com/cgi-bin/dada/mail.cgi" method=POST> <input type="radio" name="flavor" value="subscribe" checked> Subscribe to our newsletter for the latest information and special offers. <br><i><font color=red>Enter your email address below</i></font><br> <input type="text" name="email" value="" size="26"> <input type="hidden" name="list" value="news"> <input type="submit" value="Subscribe"> </form> </td></tr> </table> </td></tr></table> <br> <font size=-1> <center> <a href="http://homecreations.org/news/MovingUp.html">In the News</a> | <a href="Http://www.homecreations.org/new/index.shtml">Home</a> | <a href="Http://www.homecreations.org/new/infoRequest.shtml">Info Request</a> | <a href="Http://www.homecreations.org/new/FloorPlans.shtml">Floor Plans</a> | <a href="Http://www.homecreations.org/new/Communities.html">Communities</a> | <a href="Http://www.homecreations.org/new/Safety.shtml">Safety Build-In</a> | <a href="Http://www.homecreations.org/new/Financing.shtml">Financing</a> | <a href="Http://www.homecreations.org/new/Leasing.shtml">Leasing</a> | <a href="Http://www.homecreations.org/new/HotSheet.shtml">Inventory</a> | <a href="Http://www.homecreations.org/new/Specials.shtml">Specials</a> | <a href="Http://www.homecreations.org/new/AboutUs.shtml">About Us</a> | <a href="Http://www.homecreations.org/new/CustomerCare.shtml">Customer Care</a> <br><br> <font size="1" face="Times New Roman" color="#C0C0C0">Copyright 2004 Home Creations Inc.</font> </center> </font> <br> <script src="http://www.google-analytics.com/urchin.js" type="text/javascript"> </script> <script type="text/javascript"> _uacct = "UA-997928-1"; urchinTracker(); </script </body> </html>