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  • Registration Username = Member ID # (Primary Share Number)
  • Registration Password = (0000XXXX) Four Zeros THEN the Last Four Digits of the Primary Account Holder’s Social Security #

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Mortgage

Guiding You Home

Own It – You do you. We’ve Got the rest.

Apply Now
  • Competitive Rates
  • Unique Mortgage Options
  • Personalized Service

Mortgage Options

First Home Mortgage

  • No Down Payment
  • No PMI
  • Applies To Anyone That Hasn’t Owned Property in 3 Years
Learn More

Fixed-Rate Mortgage

  • Fixed Interest Rate
  • 15 & 30 Year Terms Available
  • 5% Down Payment
  • Refinance Options Available

Adjustable Rate Mortgage

  • 1% Periodic Interest Rate Cap
  • Set Lifetime Cap:
    • 15 Year Term: 4%
    • 30 Year Term: 6%

Short-Term Pay Off or Refinance

  • Super-Low Closing Cost
  • No Escrow Account
  • Pay Off Or Refinance Your Home In 10, 7, Or 5 Years

Mortgage Rates To Fit Any Budget

View Mortgage Rates

Select Your Mortgage Loan Officer

Debra Salazar

Senior Mortgage Loan Officer
918.921.2634

NMLS#1566907

Apply with Debra

Blake Thomas

Senior Mortgage Loan Officer
918.344.5900

NMLS#492177

Apply with Blake

Zach Ackley

Senior Mortgage Loan Officer
918.510.5612

NMLS#878992

Apply with Zach

Claudia Shelley

Senior Mortgage Loan Officer
Hablo español
918.955.8432

NMLS#1175378

Apply With Claudia

Don't know which Mortgage Loan Officer to choose?

That’s ok, we can help you find the best fit.

Apply Online
A First Home Mortgage offers no down payment, no PMI, and multiple term options.
learn more

How Do I Get Started?

Buying a home is a process, but we are with you every step of the way.

1

Start Your Application Online

2

Get Pre-Approved

3

Make An Offer

4

Complete Your Loan Application

10

The average homeowner will visit 10 homes before they find “the one.”

Source: Realtor.com

Home Loans With You In Mind

Get A Competitive Edge

In today’s market, you’ll want to move quickly to make an offer on the right home. It’s a good idea to get pre-approved before you start house hunting.

With pre-approval, you’ll have a better idea of your target price range and you’ll show sellers you are a serious buyer.

View Pre-Approval Checklist

Ease The Application Process

After you’ve been pre-approved for a mortgage loan, having the information and documentation you need will help ease the process of completing your application and prepare you for closing.

Your loan officer will also explain the fine print of your loan so you can feel confident before you sign on the dotted line.

View Underwriting Checklist
Unlock Your Home’s Equity To Pay For A Major Expense, Vacation or Education
Explore HELOC

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.

Click here to find NMLS® ID Numbers.