Kent Carter, 1st Capital Mortgage


Kent Carter has served in many capacities in the mortgage industry. Kent has served as the President and Vice-President of multiple companies, and as the President of the Oklahoma Mortgage Bankers Association. He currently serves as a commissioner for the Oklahoma Department of Consumer Credit. Kent is a servant to his church, family, community, and of course to his clients. Having an attitude of servant leadership has helped Kent manage multiple successful teams achieve even their biggest, hairiest goals. Whether he’s guiding you through the loan process or speaking professionally to your organization Kent strives to focus first on people. If you are looking for help with a loan, or for a mortgage expert to speak at your next event you’ve come to the right place.


What Are you Looking For?


Talking about personal finances is not normally the most comfortable of processes. Knowing this Kent will guide you through the loan process with a clear vision of how to reach your goals knowing that you’re in good hands along the way. Whether you are a first time home buyer, or you are hoping to access financial relief/capital on your existing home he will gladly guide you.


Conventional Loans

Privately backed mortgages

People often think that conventional loans are always better for every buyer, and that is not the case. However, they are often preferable for a few reasons, and I’d love to tell you why.

FHA/VA Loans

Loans insured by the federal government

Government backed loans may have more strict guidelines, but they can also have some built in perks that could be beneficial for certain buyers - particularly buyers who have served in the military or have Native American heritage. I’d be happy to explain this further of course.


Refinancing Your Home

“I Want to lower my payment”

Homeowners refinance their home for many reasons, but the big idea is to lower their monthly payment. When interest rates drop, or a homeowner has built a decent amount of equity in their home this becomes more and more possible. Could you benefit from a lower monthly payment?

Home Equity Conversion Mortgages

“It’s time to cash out My equity”

Like refinancing your house a home equity conversion loan is intended to stave of higher monthly expenses. However, a HECM loan not only lowers the monthly payment it reverses the cash flow altogether and allows a homeowner to live in their home as long as they are alive while they receive monthly installments out of the equity they have built in their home. Allowing many the dignity of more self-sufficiency a HECM loan can provide an upperhand for those who feel that they’ve lost much of their leverage in life.

Let’s Start Talking.


I am more than happy to help get you approved to buy your next house over the phone and online, or I’d even be delighted to host you at my satellite office in west Norman. Which works best for you?