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We Do Mortgages.

Most people don’t realize a credit union can help with your mortgage needs, but Oklahoma Community Credit Union can work with you on all kinds of mortgages and refinancing. Are you looking to buy your first home? Maybe you want to refinance your current loan or obtain extra cash for remodeling or debt consolidation with a home equity loan? We’ve got the answer for you!

First Mortgages and Refinances

Program highlights include:

  • Fixed rate mortgages are available
  • Competitive interest rates give you the best we have to offer
  • Pre-approval letters for convenience in home shopping
  • Up to 30 year financing*
  • Competitive rates (as set by the underwriting lenders)
  • Your loan is never sold – it stays local
  • Second Homes

Pre-approvals Welcome!

Local Servicing Available

Pre-approvals make house shopping easy!

Call Misty or Brittney to get started today!

405.743.3328

NMLS – 407490, Misty 1392247, Brittney 1312241

Conventional Loan

  • Available for Members who want the best rate and term combinations.
  • Credit standards are higher and appraisals are generally required.
  • Fixed or variable interest rates up to 97% loan to value ratio.
  • Contact a real estate loan officer to guide you through your mortgage options.

FHA Home Loan

  • Home financing is a government-insured program.
  • Offers lower down payments.
  • Relaxed qualifying guidelines on fixed interest rate loans.
  • Great program for first-time buyers.

VA Home Loan

  • Relaxed qualifying guidelines for
    U.S. Veterans.
  • A government-insured program.
  • Offers lower down payments.
Rural Development Loans.

This type of loan requires that the property being purchased is located in a rural area. A rural area includes “open country and places with a population of 10,000 or less and – under certain conditions -towns and cities with between 10,000 and 25,000 residents.” Check the automated rural eligibility map if you are unsure if the property meets the rural guidelines.

Apply Now

Home Equity Loans

Turn your home's equity into cash you need today!

Make the most of the equity in your home. If you own your home a Oklahoma Community Credit Union home equity loan may be the perfect option. Features include low monthly payments and extended terms.

  • Competitive rates
  • Fast & easy process with less paperwork
  • Quick approval
  • Tax-deductible Interest*
  • Borrow up to 95% of your home’s equity
Apply Now

Business Real Estate Lending

  • Investments

  • Line of Credit

  • Construction Loans

Look to Oklahoma Community Credit Union’s experienced business real estate lenders for your next real estate lending need. They can help you find the right solution and rate for your real estate business to gain momentum and hit your goals.

Disclosures

Oklahoma Community Credit Union is an Equal Housing Lender. NMLS # 407490

Some restrictions such as types of homes and maximum income may apply with the programs discussed on this webpage.
*For Example: A 6.00% APR requires 360 monthly payments of $599.55** for a $100,000 loan.
** Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

*A Home Equity Loan of $50,000 for 5 years at 4.00% APR at 80% loan to value will have a monthly payment of $920.78 and for a 10 year Home Equity Loan of $50,000 with a 90% loan to value will have a monthly payment of $548.81. Payment/$1,000 given is approximate. Taxes & insurance not included. Actual payment obligation will be higher. Rates & terms are effective 06.01.2021 and are subject to change. $227.00 processing fee applies. Advertised Annual Percentage Rate based on approved credit, equity in home and loan to value.