Your Local Mortgage Lender
Located in Yukon, Oklahoma
Meet Chris Barnes
I'm Chris Barnes, and for more than 25 years, my team and I have helped people navigate home financing with clear answers, honest advice, and a plan that fits their lives.
Whether you're buying, refinancing, or building, we take the time to understand what matters to you and explain your options so you feel confident moving forward. Our job goes beyond finding a loan: it's helping you choose a mortgage strategy that makes sense today and supports your goals down the road.
If you're a real estate agent or referral partner, you can count on me and the Barnes Mortgage Team to communicate, stay involved, and care for the people you send our way.
As a husband, dad, and "Poppy," I understand how much the right home means to a family. I'd love the opportunity to get to know you, answer your questions, and earn your trust.
Chris Barnes
Mortgage Loan Originator, NMLS #1179666 · Novus Home Mortgage · Yukon, Oklahoma
Personalized Mortgage Experience
Chris Barnes offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Yukon, Oklahoma.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Non-QM / Portfolio Loans
DSCR Loans
Bank Statement Loans
Renovation Loans
Down Payment Assistance Programs
Refinance Loans
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Buyers Have Negotiating Power Right Now That Will Disappear When Rates Drop and Here Is Why It Matters
The Opportunity Most Buyers Are Sitting Out While Others Are Acting On It
Chris Barnes has a message for buyers who are waiting and for the realtors working with them. Right now buyers have something that has been largely absent for the last several years. Negotiating power. And the buyers who are recognizing it are capturing opportunities that will not be available when everyone else finally decides to move.
What the Current Market Is Actually Offering
Homes are sitting on the market longer than they were during the competitive peak. Sellers who expected fast offers at aggressive prices are adjusting to a reality where buyers have choices and time to be selective. That shift creates room for conversations that simply were not happening two or three years ago.
Lower purchase prices on homes that have accumulated days on market. Seller-paid closing costs that keep cash in the buyer’s pocket at closing. Interest rate buydowns funded by the seller that lower the monthly payment from day one without the buyer spending an additional dollar to achieve it. These are not hypothetical tools available to exceptional negotiators. They are outcomes that motivated sellers are agreeing to regularly in the current environment.
What Happens When Rates Come Down
The buyers sitting on the sidelines waiting for rates to drop are not waiting in isolation. They are all waiting for the same signal and they will all respond to it at the same time. When rates improve the buyer pool that was thin expands immediately. Competition returns. Sellers with multiple offers no longer have motivation to negotiate on price, contribute to closing costs, or fund rate buydowns. The leverage that exists today disappears quickly when the market dynamic shifts back toward seller advantage.
The buyers acting today are locking in purchase prices and deal structures that will not be available in a lower-rate environment. The buyers waiting are planning to enter a more expensive and more competitive market with none of the tools that are available right now.
The Calculation Worth Running
Sometimes the best opportunity is not the lowest rate. It is the best deal on the home negotiated at the right moment. A buyer who secures a favorable purchase price and seller-funded concessions today may be in a stronger overall financial position than a buyer who waits for a lower rate and pays more for the same home in a market with no room to negotiate.
Whether you are a buyer thinking about making a move or a realtor trying to help your clients capture the best possible outcome reach out to Chris Barnes. Let’s look at the numbers together and find out whether today’s opportunity is the one worth acting on.
Sources
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
FannieMae.com
Investopedia.com
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