Bartlesville is a great area in regards to eligible finance options.  Bartlesville is close to Tulsa but far enough aware to qualify for almost all mortgage programs on the market.  

All of Bartlesville is eligible for USDA Rural Development Home Loans

FHA is available for first time home buyers along with everyone else that qualifies.

Native American Loans with 2.25% down up to $305,000

Veteran Home Loans with 100% financing

Refinance options available for conventional and government programs.   

Fannie Mae's Homepath and Homepath Renovation Mortgage