Rustic Roots Mortgage LLC

Call Directions Website

Rustic Roots Mortgage LLC A boutique-style mortgage with the refined experience every homebuyer deserves.

Whether it’s your first home, forever home, or next smart investment; Rustic Roots delivers a personalized experience grounded in transparency, trust, & top-tier service. Meet Nicole Ball – Mortgage Broker - Wife - Mother - Proud fur mama to a wonderfully chaotic crew of farm animals! With over 20 years in the mortgage industry (and yes, she jokes that she started her career at age 5) Nicole is the heart and soul behind Rustic Roots Mortgage LLC! With a passion for helping people achieve their dreams of homeownership, Nicole specializes in offering a boutique, one-on-one experience tailored to your unique needs. Nicole started Rustic Roots Mortgage, so that no matter the challenge—whether it’s navigating a barely there credit score or piecing together income for self-employed clients with more deductions than income —she can ensure that first-time homebuyers, seasoned homeowners, and real estate investors receive expert guidance, flexibility to find outside-the-box solutions, and personalized support throughout the mortgage process. From prequalification to closing, Nicole’s commitment to clear communication and a seamless experience sets her apart. Whether you're buying your first home or upgrading to your dream property, Nicole and Rustic Roots Mortgage is here to make it happen! And don’t be surprised if she sneaks in a funny farm story or two while helping you close on your dream home! 🏡✨

10/15/2026

Are you an active military member, veteran, or surviving spouse looking to buy a home? You may be eligible for incredible VA loan benefits that make homeownership far more accessible. These government backed loans often offer zero down payment options and require no monthly private mortgage insurance. Whether you are buying your very first home or upgrading, this flexible program can help you achieve your goals. Send me a message today to see how we can unlock the door to your new home 🏠

https://myoc.io/NKF8Y

10/08/2026

Are you a real estate investor feeling stuck because traditional mortgage limits are stopping you from buying your next rental?

Many experienced investors scale their portfolios using DSCR loans, which qualify you based on property rental income rather than your personal debt to income ratio. This means your personal tax write offs or conventional loan caps do not have to hold you back.

If the rental income covers the mortgage payment and you have solid credit, you may qualify to buy your next property.

Comment DSCR below or send me a direct message to learn how we can build your portfolio together. 🏠

https://myoc.io/NKF8Y

09/30/2026

Thinking about buying a home but unsure how much you should actually spend? Most buyers ask how much a lender will approve them for, but smart buyers focus on what monthly payment feels comfortable. You still need room in your budget for savings, date nights, and unexpected life expenses. Together, we can look at your target payment and explore options like program choices, down payment strategies, or seller credits to reach your goal. The goal is not just getting approved for the biggest mortgage possible, but finding a payment you can comfortably live with. Ready to find a home loan that fits your real budget? Comment payment below and let us start working together today. 🏡

https://myoc.io/NKF8Y

09/23/2026

Did you know that your down payment and closing costs are actually two completely different expenses? 🏠 It is one of the most common points of confusion for first time homebuyers. Your down payment goes directly toward the purchase price and builds immediate equity in your home. Closing costs cover the necessary services to finalize your mortgage, such as appraisal fees and title insurance. While both are due when you sign your final paperwork, knowing how to budget for each makes a huge difference. Navigating these details does not have to feel overwhelming when you have an expert by your side. Send me a message today to start mapping out your home financing plan with confidence. 📩
https://myoc.io/NKF8Y

A lot of people assume once closing is done, they’re on their own. But that’s not how I do it.As your loan officer, I’m ...
09/22/2026

A lot of people assume once closing is done, they’re on their own. But that’s not how I do it.

As your loan officer, I’m here to be your go-to resource for things like:
• Understanding your monthly payments
• Talking through refinance opportunities down the road
• Helping you think through financial changes that might impact your loan
• Digging into why your escrow or tax payments might have changed

Because our relationship doesn’t end when you get the keys.

So if you ever had a question after closing and aren’t sure who to ask, send me a message – I’m always here to help.

https://myoc.io/NKF8Y

Monitoring your score helps you track progress when building credit. Got questions? Ask away!https://myoc.io/NKF8Y ...
09/18/2026

Monitoring your score helps you track progress when building credit. Got questions? Ask away!

https://myoc.io/NKF8Y

There’s a big difference between simply completing a transaction…and getting real guidance.The goal isn’t just to help y...
09/16/2026

There’s a big difference between simply completing a transaction…and getting real guidance.

The goal isn’t just to help you buy a home.
It’s to help you make a decision that actually makes sense for your life, your budget, and your long-term plans.

When I talk with buyers, we usually spend time discussing things like:
☕ Whether now is the right time for you — or if waiting might put you in a stronger position
📉 What strategies could make the numbers work better, like negotiating seller concessions or exploring different financing options
🏡 What types of homes or loan programs may fit your goals best
📊 How the payment and lifestyle will feel months or years from now — not just on closing day

Sometimes the right advice is moving forward.
Sometimes it’s waiting and building a stronger plan first.

Either way, the goal is the same: clear answers, honest guidance, and absolutely ZERO pressure.

If you’re in the “just thinking about it” stage and want to talk through your options, feel free to message me CONSULT and I’ll help you start the conversation.

https://myoc.io/NKF8Y

09/14/2026

Are you a high earning business owner getting told you do not qualify for a home loan?

Maximizing your write offs saves money on taxes, but it can lower your taxable income on paper. This makes conventional mortgage approval difficult even when your business is thriving.

Non QM mortgage options offer alternative documentation like bank statements or 1099 income instead of standard tax returns. This is a legitimate underwriting strategy designed specifically for entrepreneurs.

Comment PLAN below so we can discuss a customized strategy before your next tax filing. 🏡

https://myoc.io/NKF8Y

Mortgage advice online can give you information...but information isn’t a plan.❌ Google won’t tell you why two homes wit...
09/13/2026

Mortgage advice online can give you information...but information isn’t a plan.

❌ Google won’t tell you why two homes with the same price can have totally different monthly payments because of local taxes.

❌ It won’t warn you if certain neighborhoods in your area tend to appraise low.

❌ It won’t break down which loan programs are most competitive in your county — or which ones you actually qualify for.

❌ And it definitely won’t catch small details in your financial picture that could save you thousands.

✅ But that’s exactly what I do every day.
When we work together, you’re not getting generic advice — you’re getting guidance from someone who:

✔️ Understands your market
✔️ Listens to your goals
✔️ And cares about making your life easier, not more confusing

If you’ve been trying to piece this together alone, you don’t have to anymore.

Let’s talk it through and build a plan that makes sense for you.

https://myoc.io/NKF8Y

A lot of buyers assume the bigger the down payment, the better the deal. But certain loan programs can offer very compet...
09/10/2026

A lot of buyers assume the bigger the down payment, the better the deal.

But certain loan programs can offer very competitive interest rates with lower down payment options — sometimes as low as 3–5%.

Which can create a strategy where it may make more sense to:
💰 Keep more cash in your savings after closing
📉 Take advantage of a stronger interest rate
🏡 Leave yourself flexibility for repairs, moving costs, or emergencies
📊 Potentially recast the loan later if your loan allows it

The “best” move isn’t always about putting the most money down upfront. It’s about understanding the tradeoffs and building a strategy around your long-term financial comfort.

If you’ve been wondering what down payment strategy would make the most sense for your situation, message me SAVE and we can run through the numbers together.

https://myoc.io/NKF8Y

Address

3411a S I-35 Service Road
Purcell, OK
73160

Telephone

+14058123659

Website

,

Alerts

Be the first to know and let us send you an email when Rustic Roots Mortgage LLC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category