Your Path to Homeownership Starts Here
Helping Tulsa families own beautiful, move-in-ready homes — no bank required. Simple option to own with just 7% down.
- 7%Min. Down Payment
- NoBank Required
- ~20 DaysAvg. to Close
About RoseRock Homes
Tulsa's trusted financing specialists
We believe every Tulsa family deserves a place to call home — regardless of their banking history. That's why we created a straightforward option-financing model that bypasses traditional lenders entirely.
Since 2022, we've helped over 100 families stop renting and start building equity. Our homes are fully renovated, move-in ready, and backed by transparent terms you can actually understand.
William Fredrick
Founder & Partner · NextPhase Enterprise & APC Homes LLC
No Bank Needed
We finance directly — no credit checks, no bank approvals, no bureaucracy.
Move-In Ready
Every home is fully renovated and ready for you to move in from day one.
Transparent Terms
Clear, simple contracts with no hidden fees or surprise charges.
Local Experts
Born and raised in Tulsa — we know every neighborhood and every home.
How It Works
From browsing to keys in hand
Our streamlined process gets you into a home in as little as 20 Days.
Browse & Choose
Explore our available homes and find the one that fits your family.
Apply & Review
Fill out a simple application — no credit check required.
Sign & Secure
Sign your option agreement and make your down payment.
Move In
Pick up your keys and start building equity in your new home.
Our Approach
Option financing for real families
Traditional banks say no to too many families. We say yes — and we make it simple.
Direct Financing
We act as the lender, eliminating banks entirely from the process.
No Bank7% Down
A low down payment designed to be achievable for working families.
Low DownSimple Contract
Plain-language agreements with no hidden fees or complex clauses.
TransparentPayment Calculator
Estimate your monthly payment
Adjust the sliders to see what fits your budget.
Est. Monthly Payment
$1,180
Principal & interest only
Loan Amount
$153,450
Down Payment
$11,550
Balance Over 30 Years
* Taxes and insurance vary from house to house and are not included.
See Available Homes →What Families Say
Real stories from real homeowners
Marcus & Tanya Williams
North Tulsa · Moved in 2023
★★★★★5 out of 5 stars“We'd been turned down by three banks before finding RoseRock. William made the process simple and transparent. We closed in 12 days and our kids finally have a backyard.”
Rosa Delgado
East Tulsa · Moved in 2024
★★★★★5 out of 5 stars“I was skeptical at first, but the contract was exactly what they promised — no surprises. My monthly payment is less than my old rent. I'm a homeowner now!”
James & Keisha Porter
Greenwood District · Moved in 2023
★★★★★5 out of 5 stars“The whole team was professional and patient. They answered every question and never rushed us. Best decision we ever made for our family.”
Ready to stop renting and start owning?
Browse our available homes or schedule a free consultation today. No bank required — just a straightforward path to homeownership.