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
Why Chasing High Cash Flow Rentals Is the Mistake Most New Real Estate Investors Make First
The Investment That Looks Like a Cash Cow and Performs Like a Headache
New real estate investors spend enormous amounts of time hunting for the highest cash flow rental they can find. Six months after closing many of them discover they bought something very different from what the spreadsheet promised. Chris Barnes wants investors to understand what high cash flow numbers often signal before that lesson comes at full price.
What High Cash Flow Properties Are Usually Hiding
Properties that produce exceptional cash flow relative to their purchase price tend to carry characteristics that the monthly income number does not capture. Deferred maintenance that has been accumulating for years and is now the new owner’s problem. Higher tenant turnover because the property or the neighborhood does not retain tenants the way a better asset would. And almost zero appreciation because the market recognizes the same quality issues the investor should have recognized before buying.
The HVAC failure that arrives in year one is not bad luck. It is the deferred maintenance problem announcing itself on its own timeline. A single major repair can quietly eliminate three years of monthly cash flow in a single bill. The property that looked like a cash cow on paper reveals itself as an unpaid property management job in practice.
What Smart Investors Prioritize Instead
Solid tenant demand is the foundation of a performing rental. Properties in locations where qualified tenants want to live and where vacancy is low produce more reliable income than high-stated-yield properties in weak demand areas even when the monthly cash flow number looks smaller on paper.
Long-term equity growth produces wealth in ways that monthly cash flow alone cannot. The four wealth engines of rental real estate working together including cash flow, appreciation, principal paydown by tenants, and tax benefits produce total returns that dwarf what the cash flow line alone shows. Investors who optimize only for cash flow are counting one-fourth of the return and ignoring the three that compound most powerfully over time.
Mortgage optimization matters as much as property selection. Financing efficiency, the structure of the loan, the rate, the terms, and how the debt service relates to the property’s income and long-term value, determines a significant portion of the total return. Getting the loan structure right before closing is not a secondary consideration. It is part of the investment thesis.
What to Evaluate Before You Buy
If the goal is real financial freedom rather than a job managing a difficult property evaluate the total loan structure before committing to any acquisition. The combination of tenant demand, appreciation trajectory, and financing efficiency is what builds durable wealth. The monthly cash flow number is one data point in that evaluation not the conclusion.
Follow Chris Barnes for more transparent guidance on mortgage strategy and real estate investing.
Sources
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
NationalMortgageProfessional.com
Investopedia.com
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