Libby de Verges - NMLS# 488250 - Central Bank

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Libby de Verges - NMLS# 488250 - Central Bank With 30 years of experience as a Mortgage Loan Officer, I’m dedicated to guiding my clients through every step of the home financing process.

Whether you're buying, refinancing, or renovating.

Navigating the mortgage process can raise a lot of questions.Choosing a mortgage lender isn’t always just about the rate...
10/15/2026

Navigating the mortgage process can raise a lot of questions.

Choosing a mortgage lender isn’t always just about the rates; it’s about finding someone who will support you and fight for your needs.

That's what you'll get working with me. I promise my clients a constant flow of communication, so you’ll never feel left in the dark about what’s happening.

DM me today and start asking away!

Member FDIC | NMLS # 407985 | Equal Housing Lender

Imagine being a homeowner this fall 🍂Now is a great time to buy a home, and I'd love to help you through the process. DM...
10/12/2026

Imagine being a homeowner this fall 🍂

Now is a great time to buy a home, and I'd love to help you through the process. DM me with any questions you may have!


Member FDIC | NMLS # 407985 | Equal Housing Lender

Our branches are closed today, October 12th, in observance of the federal holiday. If you have any mortgage inquiries, p...
10/12/2026

Our branches are closed today, October 12th, in observance of the federal holiday. If you have any mortgage inquiries, please message me, and I'll get back to you ASAP.

A 2-1 buydown can make the first two years of homeownership feel a little more manageable by temporarily lowering the pa...
10/02/2026

A 2-1 buydown can make the first two years of homeownership feel a little more manageable by temporarily lowering the payment.

The note interest rate stays the same, but payments are calculated using a rate 2 percentage points lower in year one and 1 percentage point lower in year two.

In the example shown, that means about $451 less per month in year one and $231 less per month in year two compared with the full note-rate payment.

The cost of the buydown is funded upfront at closing.

If you’re getting ready to make an offer, it’s worth looking at more than just the purchase price. Sometimes the way the deal is structured can make a meaningful difference in your monthly budget.

Reach out and I can help you run the numbers and see what a 2-1 buydown could look like for your situation.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Seller concessions can do more than just help with closing costs.Depending on the loan program and how your financing is...
10/02/2026

Seller concessions can do more than just help with closing costs.

Depending on the loan program and how your financing is structured, they may be used toward a temporary 2-1 buydown, eligible closing costs and prepaids, or even a permanent rate buydown.

The best option really depends on your timeline, cash needed at closing, and long-term goals.

If you’re getting ready to make an offer, reach out to me before you write it. We can compare the options and see what may make the most sense for your situation.

Disclosure: Seller concessions are subject to loan program limits, eligible costs, transaction structure, and underwriting approval. Rates, terms, and availability are subject to change. Applicant subject to credit and underwriting approval. Not all applicants will qualify. Central Bank NMLS #407985. Member FDIC. Equal Housing Lender.

I'm more than just your mortgage lender. 🤍With me, it’s not just another transaction - it’s the beginning of a lifelong ...
09/24/2026

I'm more than just your mortgage lender. 🤍

With me, it’s not just another transaction - it’s the beginning of a lifelong relationship! Message me today to get started on your homeownership journey.

Member FDIC | NMLS # 407985 | Equal Housing Lender

While you may be tempted to start touring homes the second you think about buying, getting preapproved is a key step in ...
09/16/2026

While you may be tempted to start touring homes the second you think about buying, getting preapproved is a key step in the process you don't want to skip.

Preapproval provides you with a clear price range, demonstrates to sellers that you’re serious, and enables you to act quickly when you find your dream home. This step significantly simplifies the home-buying experience.

Message me today, and let’s get you preapproved!

Read more about the benefits of preapproval here: https://www.centralbank.net/learning-center/homeownership/buying/5-tips-for-homebuyers/
Member FDIC | NMLS # 407985 | Equal Housing Lender

If you buy a home now, you could spend the rest of the year making memories in your new space! If you're interested in b...
09/10/2026

If you buy a home now, you could spend the rest of the year making memories in your new space! If you're interested in being home before the holidays, send me a DM!

Member FDIC | NMLS # 407985 | Equal Housing Lender

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitat...
09/07/2026

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitate to reach out via call, email, or direct message. Wishing you a wonderful holiday!

Address

2424 E 21st Street
Tulsa, OK
74114

Telephone

+19186912969

Website

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