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Home Mortgage Loans

Buying a home can be a big step. According to Consumer Reports, credit unions are the best in terms of providing trusted, professional, and affordable mortgage services. From pre-qualification to insurance, Oklahoma Central Credit Union makes it easy.

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Mortgage Loans

If you're going to be buying, building, or refinancing soon, you owe it to yourself to talk to us. Our Mortgage Lending Specialists are ready to help you better afford the home of your dreams. Home loans are available to members for purchasing or refinancing the following:

Types of Home Loans:

  • Primary residence
  • Second home
  • Investment property
  • Vacation home
  • Construction
  • Land
  • FHA
  • USDA Rural Development

Mortgage Term Options:

  • 7-year
  • 10-year
  • 15-year
  • 20-year
  • 30-year

Current Rates:

  • As low as 3.421% APR*

Pre-approval is available to help determine loan amounts, payments, closing costs and can help increase negotiating power.

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Don't want to apply online?

Stop by any branch location or call 918-664-6000, select option 2, to speak with a Member Representative.

LEARN MORE ABOUT HOME EQUITY LOANS LEARN MORE ABOUT OUR FIRST-TIME HOME BUYER PROGRAM

Based on a $100,000 purchase price with $5,000 down (5% minimum down payment required), monthly payments on a 30-year mortgage based on an interest rate of 3.625% with APR of 4.045%. The monthly payment for principal, interest and mortgage insurance would be $480. Escrow accounts will increase the monthly payment. Rate listed is for a first-lien mortgage. The rate may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify. Programs, rates, terms or conditions are subject to change without notice. Other restrictions may apply.

For a conventional refinance loan with a loan amount of $80,000, 80% loan to value with a 10-year fixed rate of 3.375%, the APR is 3.585%. The monthly payment for principal and interest would be $787. Escrow accounts will increase the monthly payment. Rate listed is for a first-lien mortgage. The rate may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify. Programs, rates, terms or conditions are subject to change without notice. Other restrictions may apply.

For a home equity loan on a primary residence, with a loan amount of $25,000, combined loan to value less than or equal to 80% with a 5-year fixed rate of 3.49%, the APR is 3.49% and the monthly payment for principal and interest would be $455.

For a rural development loan with a first lien loan amount of $100,000 and a 30-year fixed rate of 3.750%, the APR* is 4.454% and the monthly payment for principal, interest, and annual Rural Development fee would be $498. An escrow account would also be required, which would increase the monthly payment to include homeowner’s insurance, real estate taxes and flood insurance if applicable. Subordinate liens are not eligible. This program has restrictions on property location and household income.

APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rates subject to change.

Related Educational Opportunity

There's a lot to know about buying a home. It starts with knowing where you stand financially and what it takes to become a homebuyer. This program will give you the confidence to start the process on the right foot.

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