Terms of Use

The Twelve22 Capital website is provided for informational purposes. Nothing on this site constitutes a binding offer of financing or a guarantee of approval. All financing is subject to underwriting and a signed agreement governed by Oklahoma state law.

Owner financing disclosure. Twelve22 Capital is not a traditional mortgage lender. We provide owner financing through private contracts. We recommend all buyers consult with an attorney before signing any agreement.

Credit reporting. Payment history may be reported to consumer credit bureaus. On-time payments can help improve your credit; late payments may negatively impact it.

Property ownership. You take possession of the property at closing under a contract for deed and are responsible for all maintenance, repairs, property taxes, and insurance. The deed transfers to you when the contract is paid in full.

No guarantee of refinancing. Many customers refinance into traditional financing early, but we cannot guarantee you will qualify to do so. Your 15-year agreement with Twelve22 Capital remains in effect until paid in full.

Full terms in preparation. Questions? Email info@twelve22.capital.