Try a local Credit Union, no prepayment penalties and might be able to deal with these small loan balances more easily than a commercial or community Bank.

However, I would have a pre-approved loan with the credit union before you send them a letter.

If so, I'd try to find a small bank or credit union local to your current home or the one you intend to buy.If that isn't the way you'd like to go, maybe renting or rent-to-own would be a better option for you.

If you are looking for a growing family stick to the major school districts, Jenks, Union, Broken Arrow, Bixby,Owasso, and maybe districts that are growing like Glenpool and Collinsville and Skiatook.  

Also explore private money (friends and family loans) and credit union financing.  

Some local banks and credit unions will be willing to extend you credit using an internal product that there is no market for on the secondary market.

@Louis Alvarez check out the credit unions.  

We've found that many smaller banks and no credit unions are allowed to offer this type of financing in the state of Texas.

I would suggest calling a couple of credit unions, local banks, and regional/national banks.

If you plan to spend a lot of time in the city on your time off, you may want to consider doing the reverse commute- living downtown close to nightlife and Union Station.