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*Applies to Conventional Residential Mortgage (CRM) Loans only. First-time home buyers with credit history are eligible for a 3% down payment. For all other CRM loans, down payments range from 5% to 30%. Loans with a down payment of less than 20% will be subject to Private Mortgage Insurance (PMI). Loan amounts greater than $484,350 must have a down payment of 20% or more.
**Applies to Veteran’s Administration (VA) mortgage loans only. Maximum 100% financing for purchases based on the lesser of appraised value or purchase price plus VA Funding Fee. Maximum 100% financing for refinances based on appraised value including VA Funding Fee. Maximum 80% financing for metal homes based on the lesser of appraised value or purchase price plus VA Funding Fee. Applicant must be eligible veteran with available entitlement to cover loan balance.
Maximum loan value for all mortgages at TFCU is $750,000. Loan terms range from 10 to 30 years. Non-refundable closing costs apply and vary according to property location, loan amount, and discount points. Property must be located in the State of Oklahoma, owner occupied, and residential. Property insurance is required. If the property is located in a Special Flood Hazard Area, flood insurance is required. A security interest will be taken in your home. You could lose your home if you do not meet the obligations of your agreement. Single family dwellings, metal homes, condos, duplexes and townhouses generally qualify as eligible collateral. Log, dome, and underground homes, and manufactured housing do not typically qualify as eligible collateral. TFCU membership is required, which involves opening an initial share (savings) account with a $5 deposit. Click for more information, current rates, and terms or call us at (405) 732-0324 or 1-800-456-4828.