Twelve22 Capital

The Complete Process

From application to keys to refinance.

Five phases, each transparent. Here's exactly what happens — and what's expected of you — at every step.

  1. 01

    1–2 days

    Application & Pre-Qualification

    Submit your application

    Fill out our 5-minute online form. Provide basic financial information and upload required documents.

    Initial review

    Our team reviews within 24 hours. We'll schedule a call to discuss your situation and pre-qualify you with a clear budget range.

    Financial underwriting

    Full review of income and credit. Determine your approved purchase amount and issue your pre-qualification letter.

  2. 02

    2–4 weeks

    Home Search & Selection

    Work with any realtor

    You're free to choose any licensed real estate agent in the OKC metro. We can recommend experienced ones if you'd like.

    Home requirements

    OKC metro area, $150K–$200K, passes inspection, meets our underwriting standards, good neighborhood and schools.

    We're here to help

    Our team can guide you through choosing the right home for your family — without pressuring a specific property.

  3. 03

    30 days

    Purchase & Closing

    We make the offer

    Twelve22 Capital submits the purchase offer on your behalf.

    Inspection & appraisal

    Professional inspection and independent appraisal confirm the home is in good condition and fairly priced.

    Title, underwriting, closing

    Clear title search and insurance, final loan documentation, then closing day — sign papers, get your keys, move in.

  4. 04

    Years 1–15

    Homeownership & Credit Building

    Your monthly payment covers

    Principal and interest, escrowed property taxes and homeowner's insurance, and HOA fees if applicable.

    We report to all three bureaus

    Your on-time payments rebuild your credit score, moving you toward traditional refinancing.

    Resources we provide

    Credit-monitoring guidance, financial literacy resources, refinance prep, and ongoing customer support.

  5. 05

    When you're ready

    Pay It Off — or Refinance Early

    Two ways to the finish line

    Keep making payments and own the home free and clear in 15 years — or refinance into traditional bank financing whenever your credit qualifies.

    Refinance whenever it makes sense

    Shop traditional lenders, get approved, and pay off your Twelve22 Capital note — no prepayment penalty, ever.

    No balloon, no deadline

    The note fully amortizes on its own — there is no balloon payment and no refinancing requirement hanging over you.

Ready to start your journey?

Complete your application in 5 minutes. Pre-qualification within 24–48 hours.

Apply Now Schedule a consultation