Oklahoma's Preferred Mortgage Lender

Licensed in OK, TX, KS, and AR

Welcome to 1st Capital Mortgage LLC!

For most people, purchasing a home will be the single largest investment made during their lifetime. At 1st Capital Mortgage, LLC we work closely with our clients to make the home financing experience as smooth as possible. As a local Owasso lender, we are able to build relationships with our clients throughout Oklahoma, Arkansas and Kansas so that we can provide personalized service and support from start to finish. In the end, our goal is to help make the dream of homeownership a reality for each of our clients.


Whether you are first-time homebuyer, or a current homeowner looking to refinance an existing mortgage on your home in Oklahoma, Arkansas or  Kansas, 1st Capital Mortgage, LLC can tailor a unique financing solution to your exact needs. With fast pre-approvals, the most competitive rates, and an extensive line of mortgage products, we have the resources to match every homebuyer with the perfect mortgage.


At 1st Capital Mortgage, LLC we specialize in a number of mortgage products including, FHA Loans, VA Loans, USDA Rural Development Loans, Conventional Loans and more. We also offer a number of refinancing options including cash-out refinance loans and streamline refinance loans. Contact 1st Capital Mortgage, LLC today to see how we can help you!

Let us help you get your home today.


Years Experience


Loans Closed


Of our clients would recommend us


Rated mortgage company in Owasso
Happy family

Low Rates. Zero Hassles.

Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

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FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

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VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

USDA Loans

Check out USDA's homeownership programs today to see if you qualify for assistance in achieving your dream of owning a home in a rural area.

HUD-184 Loans

In 1992, Congress established the Section 184 Indian Home Loan Guarantee Program to offer great rates and low down payment options to Native Americans.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.

What our clients are saying

Fernando Lopez

I was recommended to Heather WESTEMEIR of 1st Capital for my lending needs. She provides excellent service, is very professional, and is extremely knowledgeable about VA loans. She is very accommodating, in part, for making herself available via text messages, phone, and email. I found her to be trustworthy and extraordinarily helpful and knowledgeable. She was patient with some of my more "dumb" questions throughout the entire process. I've already recommended her to my friends and family. Good job, Heather. I was very pleased with my loan terms.

Seth Filippo

Janna was really great to work with. Very responsive and motivated to get our closing done. She made the process smooth, easy and was quick to answer any questions we had. Definitely recommend her.

Mandy Lamb

Andy Cobb at the OKC branch was simply amazing. He is with you every step of the way and very quick and efficient at what he does. Got us a great rate for our loan, answered all our questions and concerns in a very timely manner. Would not hesitate to recommend him to anyone.

Heather Westemeir

Just finished my refinance with 1st Capital Mortgage. Ron Dunaway and the rest of the staff were wonderful to work with. Very knowledgeable and helpful. Will definitely recommend them to friends and family and use them if I have mortgage needs in the future!

Katie Miller

Smooth and quick process! Ron Dunaway, Barb and all the staff where friendly and great to work with. This is my 3rd home purchase but my first time going through 1st Capital. This was by far the quickest and easiest closing!

Lynn Hounshell

We had an excellent experience with our loan process. Ron Dunaway was always helpful and accommodating. He even met with us on a Saturday to meet our schedule. I would definitely recommend him.

John Parker

Excellent customer service with on-time closing! We couldn't ask for better communication when buying our home. We sent all of our documents to the team at 1st Capital and the rest is history! If you're looking for a mortgage lender to buy your first home or refinance, these are your people!

Realtors, if you want your buyers to have confidence that their home and loan is processed quickly and accurately, the job will be done the right way here.

David Kirk

Buying a home is always full of challenges and hurdles to go through before you get to the closing table. 1st Capitol mortgage has an amazing team that keeps you informed and educated throughout the entire purchase process and truly made the process as smooth as possible. Ron Dunaway handled our loan from the application to the closing table and he was wonderful to work with and took the time to answer all of my many questions and ensure everything with the mortgage was taken care of.


Licensed in Oklahoma, Arkansas, Kansas

Equal Housing Opportunity

Contact Us

1st Capital Mortgage LLC
13720 East 86th Street
Owasso, OK 74055
(918) 274-1519