Oklahoma is one of the states where a mortgage can carry a power of sale, so a lender may be able to foreclose without going to court, with notice of sale personally served at least thirty days ahead. The mortgage is the security instrument. The state also taxes real estate mortgages on a sliding scale by term, from two cents to ten cents per $100, plus a $10 county certification fee. Mechanic's lien statements are due within four months of the last work or materials, and Oklahoma's earthquake rate has been unusually high since 2009 according to the U.S. Geological Survey.
World's Fair Capital makes business purpose loans to real estate investors in Oklahoma: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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- 2Review the term sheet
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- 3Underwriting
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- 4Closing
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What investors should know about Oklahoma
Power of sale is available in a mortgage
Oklahoma's Power of Sale Mortgage Foreclosure Act lets a mortgage grant a power of sale. The statute requires the mortgage to say in bold, underlined language that the lender may sell without a court foreclosure action.
Source: Oklahoma Statutes Title 46, Section 43, checked 2026-10-11
Mortgage is the security instrument
Oklahoma uses the mortgage as its security instrument, and the power of sale is written into the mortgage itself rather than into a separate deed of trust.
Source: Oklahoma Statutes Title 46, Section 43, checked 2026-10-11
30 days of served notice before a power of sale
Under the statute, the notice of sale must be personally served, with a stated alternative when personal service cannot be made, at least thirty days before the sale date.
Source: Oklahoma Statutes Title 46, Section 45, checked 2026-10-11
Mortgage tax scales with loan term
Oklahoma levies a tax on real estate mortgages at a rate set by the term of the mortgage, from ten cents per $100 for five years or more down to two cents per $100 for terms under two years. The county treasurer also collects a $10 certification fee per mortgage. The statute allows the mortgagor, mortgagee or another interested party to pay.
Source: Oklahoma Statutes Title 68, Section 1904, checked 2026-10-11
Mechanic's lien statement has a four month deadline
A person claiming a mechanic's lien files a verified statement with the county clerk. For this statute the filing window is four months from when materials were last furnished or labor last performed, which matters when tracking construction draws.
Source: Oklahoma Statutes Title 42, Section 142, checked 2026-10-11
Wastewater disposal drove an earthquake surge
The U.S. Geological Survey reports that Oklahoma's earthquake rate rose sharply after 2009 and that most Oklahoma earthquakes are linked to wastewater disposal. Seismic activity is a point some investors review when choosing coverage.
Source: U.S. Geological Survey FAQ, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in Oklahoma?
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What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Oklahoma investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in Oklahoma?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.