Mortgage Rates

 

Due to the constant fluctuations in mortgage rates, please Contact Us for current rates.

 

Mortgage Terms and Conditions
The displayed Annual Percentage Rate (APR) for “Fixed Mortgages” and “Adjustable Mortgages” assumes a loan amount of $150,000.00 and reflects the interest rate, approximate cost of prepaid finance charges, and any origination charge if applicable, but does not include other closing costs. The displayed Annual Percentage Rate (APR) for “Retire Your Mortgage”, “Home Equity”, and “Unimproved Land” assumes a loan amount of $50,000.00 and reflects the interest rate, approximate cost of prepaid finance charges, and any origination charge if applicable, but does not include other closing costs. The APR is calculated based on a loan to the collateral value of 80% for fixed-rate first position mortgage programs. The rate may be based on creditworthiness, loan to value of the collateral, and term of the loan. Rates provided are based on current market rates and are informational only. Rates on adjustable mortgages may increase after consummation. Example payments per $1,000 are for the stated term. Payment amounts are estimated and include only principal and interest amounts. Actual payments may be higher and may include taxes and insurance premiums, if applicable. Primary residence and second home mortgages are available for first position mortgages. Home equity loans are available on primary residence properties only. Must be owner-occupied residential property located in the State of Oklahoma. Mortgages are not available on rental property manufactured homes or modular homes. Property insurance is required. If the property is in a Special Flood Hazard Area, flood insurance is required if it’s available. We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us. Consult your tax advisor for tax deductibility. On Adjustable-rate mortgages with terms of 15 years or less, the first adjustment and all subsequent adjustments are capped at 1% per adjustment. The maximum increase over the life of the loan is 4%. On Adjustable-rate mortgages with terms of 15 years or greater, the first adjustment and all subsequent adjustments are capped at 1% per adjustment. The maximum increase over the life of the loan is 6%. First Home Mortgage program maximum loan amount is $300,000. First home buyers must not have owned real property in the last three years. If you have any questions or require current rate information, please call the Credit Union at (918) 610-0200″ or toll-free at (800) 256-5626″. All loan programs, rates, terms, and conditions are subject to credit approval and underwriting requirements and may change at any time without notice.

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