Conventional Loans
Flexible financing with as little as 3% down for qualified buyers, and no PMI once you reach 20% equity.
Learn More →
Edmond & OKC Metro Mortgage Loan Officer
Your Home Dream Starts With the Right Loan
Whether you're buying your first home in Edmond, moving up in Norman, or refinancing in Yukon, Earnest Noblett shops 200+ lenders to help you find a loan that fits your budget — with local, personal guidance from application to closing.
- No-obligation pre-approval
- Conventional, FHA, VA & USDA
- Talk to a real person
See What You Qualify For
Answer a few quick questions — Earnest will follow up personally, usually the same business day.
Prefer to talk now? Call or text Earnest at (405) 390-7072
Let's Get Started
What's Your Goal?
Pick the option that fits you best and we'll point you in the right direction.
Buy a Home
First home, next home, or forever home — get pre-approved so you can make offers with confidence in today's OKC market.
Start My PurchaseRefinance My Home
Lower your rate or payment, shorten your term, drop mortgage insurance, or tap your equity for renovations or debt payoff.
Explore RefinancingCheck My Rate
Curious where rates are for your situation? Get a personalized, no-obligation rate quote compared across multiple lenders.
Get My Rate Quote
Simple Process
How It Works
Getting a mortgage doesn't have to be stressful. Here's how Earnest makes it easy.
📝
Apply Online
Complete a short, secure pre-approval request in about 3 minutes. No obligation and no cost to see your options.
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We Shop Lenders
Earnest compares programs from 200+ wholesale lenders to find a loan, rate, and payment that fit your goals.
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You Close & Move In
We coordinate with your agent, title, and appraiser and keep you updated until you get the keys.
Get Pre-Qualified in Minutes
Tell us a little about your plans. Earnest will review your options across 200+ lenders and reach out personally — no pressure, no obligation.
🔒 Your information is secure and never sold. Checking your options will not affect your credit score.
Loan Programs
A Loan Program for Every Situation
Access to 200+ lenders means more options for first-time buyers, veterans, self-employed borrowers, investors, and more.
FHA Loans
Government-insured loans with 3.5% minimum down and more flexible credit guidelines — great for first-time buyers.
Learn More →VA Loans
For eligible veterans, service members, and surviving spouses: $0 down options and no monthly mortgage insurance.
Learn More →USDA Loans
Zero-down financing for eligible homes in qualifying rural and suburban areas around the OKC metro.
Learn More →New Construction & Renovation
Build new or buy and renovate with construction-to-permanent, FHA 203(k), and renovation loan options.
Learn More →Investment & Second Homes
Financing for rentals, vacation homes, and multi-unit properties — including DSCR options for investors.
Learn More →Also available: Refinance · Reverse Mortgage / Senior Loans · Home Purchase
Payment Calculator
Estimate Your Monthly Payment
Adjust the numbers to see a ballpark principal & interest payment. Then get a real quote from Earnest based on your situation.
Estimated Monthly Payment
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- Loan Amount$0
- Principal & Interest$0
- Taxes & Insurance$0
Why Choose Earnest
Big-Lender Options. Small-Town Service.
Banks can only offer their own loan products. As a loan officer with NEXA Lending, Earnest has access to 200+ wholesale lenders — so he works for you, not one bank's rate sheet.
Meet Earnest →200+ Lenders
More choices for competitive pricing and programs that fit your situation.
Fast Pre-Approvals
Pre-approval often in as little as 24 hours once documents are received.
Direct Access
Call or text Earnest directly — no call centers or handoffs.
OKC Metro Local
Based in Edmond and familiar with local agents, title companies, and neighborhoods.
Clear Communication
Plain-English explanations and proactive updates at every milestone.
Tough Files Welcome
Self-employed, credit challenges, or unique properties — let's look at options.
Earnest NoblettLicensed Mortgage Loan Officer · NMLS# 1660690
Meet Your Loan Officer
Hi, I'm Earnest Noblett
I'm a licensed mortgage loan officer based in Edmond, Oklahoma, and I help families across the OKC metro buy, build, and refinance homes. My goal is simple: make the mortgage process clear, honest, and as stress-free as possible.
Because I work with NEXA Lending, I can shop your loan with more than 200 lenders instead of just one. That means I can match first-time buyers, veterans, self-employed borrowers, retirees, and investors with programs designed for their situation.
NMLS# 1660690
NEXA Lending
200+ Lender Access
Edmond, OK
Client Stories
What OKC Homeowners Are Saying
Real situations, real solutions — from first-time buyers to veterans and self-employed borrowers.
★★★★★
"We had been told by our bank that we'd need another year to qualify. Earnest found an FHA option that fit our budget, explained every step, and we closed on our first home in Moore in 32 days. He answered texts at 9 p.m. when we were nervous about the appraisal."
★★★★★
"As a retired Air Force veteran out of Tinker, I wanted someone who actually understood VA loans. Earnest walked me through my entitlement, the funding fee exemption for my disability rating, and got us into our Midwest City home with zero down."
★★★★★
"We wanted to pull cash out to pay off credit cards and finish our kitchen. Earnest compared options from several lenders, showed us the real numbers side-by-side, and our monthly obligations dropped noticeably. No pressure at all."
★★★★★
"I'm self-employed and two other lenders gave up on me. Earnest knew which lenders would look at my bank statements and kept me updated the entire time. Professional, patient, and honest about what to expect."
Client testimonials reflect individual experiences and are not a guarantee of future results, rates, or approval.
Service Areas
Proudly Serving the Entire OKC Metro
From Edmond to Norman and Mustang to Choctaw, Earnest helps homebuyers and homeowners throughout central Oklahoma.
EdmondHome base
Oklahoma CityAll neighborhoods
MooreCleveland County
NormanCleveland County
MustangCanadian County
YukonCanadian County
Midwest CityNear Tinker AFB
ChoctawEastern Oklahoma County
Don't see your city? Earnest helps borrowers throughout Oklahoma. Contact us →
Answers
Mortgage Questions, Answered
It depends on the loan program. Eligible veterans may qualify for VA loans with $0 down, USDA loans offer $0 down in eligible areas, FHA loans require as little as 3.5% down, and some conventional loans allow 3% down for qualified buyers. Down payment assistance programs may also be available. Earnest will review which options fit your situation.
Minimum credit scores vary by program and lender. FHA loans may allow scores as low as 580 for 3.5% down, while many conventional programs start around 620. Because Earnest works with 200+ lenders, he can often find options that a single bank can't offer. All loans are subject to credit approval.
A pre-qualification is a quick estimate based on information you share. A pre-approval goes further — your credit, income, and assets are reviewed so sellers and agents know you're a serious, qualified buyer. In a competitive OKC market, a pre-approval letter can make your offer stand out.
Many purchase loans close in roughly 21–45 days, depending on the loan type, appraisal, title work, and how quickly documents are provided. Pre-approval can often be completed in as little as 24 hours once your documents are received.
A bank can generally only offer its own products and pricing. With access to 200+ wholesale lenders through NEXA Lending, Earnest can compare multiple programs and pricing options to help find a competitive fit for your goals — while still giving you personal, local service.