Home Loans

Make a home you love

Buy, build, refi or remodel with us.

Ready to Apply Online?

You can count on TFCU’s mortgage team to help throughout the lending process. To speed things up with your online application, you might gather these items in advance.

  • Your social security or tax ID.
  • Your income and employment history.
  • Bank account information.
  • Current debt.
  • Details on brokerage accounts.
  • Details on other real estate you own.

What's your goal? We're here to help.

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Buy A Home

Whether you are just researching or ready to buy, start here.

Refinance Your Mortgage

Want to pay off your home loan faster, lower your payment or cash out equity in your home?

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Home Equity Loans & HELOCs

Interested in home improvements, consolidating debt or accessing money?

Mobile Homes Loans

Interested in buying or refinancing a mobile home?

Land, Lot & Construction

Thinking of buying land or building a home?

Bridge Loans

TFCU offers a short-term loan used to bridge the gap between buying a new home and selling your current one.

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VA Home Loans

100% financing available for eligible service members and veterans.

TFCU Mortgage Center

Whether you’re a first-time home buyer or an experienced home owner, get the tools you need in TFCU’s Mortgage Center.

  • Check rates.
  • Use calculators.
  • Apply online.
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Closing Costs Credit

Let your home’s equity finance your house renovation projects. Our various loan options provide a cost-effective way to pay for the things you want today. Members can receive a $440 closing costs*** credit on home equity loans or home equity lines of credit of $25,000 or more. A home equity loan or home equity line of credit can provide the added money you need without the added stress.

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Types of TFCU Home Loans

Conventional Loans

Fixed-rate home loans with a down payment as low as 3%*. Available terms: 10-years, 15-years, 20-year and 30-year terms.

VA Loans

For qualifying active duty and veteran service members – 0% down and no PMI**.

Home Equity Loans

Whether a home equity line of credit (HELOC) or a home equity loan, both allow you to borrow money against your home at competitive rates.

Jumbo Loans

To finance a mortgage more than $726,000, this may be the option for you.

Mortgage Refinance

Lower your payment, shorten your term, or cash out equity in home.

Land, Lot & Construction Loans

Land or lot loans for 10 acres or less. Go from construction loan to mortgage with TFCU.

TFCU HOME LOANS TEAM

Reach out with questions. We can help.

Mary Bailey

Mary Bailey
TFCU Mortgage Originator
(405) 319-2197 | Cell: (405) 219-2428

BaileyM@tinkerfcu.org 

Lending expert with 17 years of helping home buyers. Specializes in conventional, VA, land, construction & investment loans.

NMLS Identifier 911223

Franciso Zepeda

Francisco Zepeda
TFCU Mortgage Originator
(405) 319-2551 | Cell: (405) 215-8649

Zepedaf@tinkerfcu.org

Lending expert with over 4 years of helping home buyers. Specializes in conventional, VA, land, construction & investment loans. 

NMLS Identifier 1825733

Becca Harjo
TFCU Mortgage Originator
(405) 319-2268 | Cell: (405) 885-0725

harjore@tinkerfcu.org

Lending expert with 15 years of helping home buyers. Specializes in conventional, land & investment loans. 

NMLS Identifier 1157415

TFCU NMLS Identifier 490973

*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 $510,400 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 $1,000,000. 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.

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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 $510,400 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.
***Closing cost credit available on Home Equity Line of Credit (HELOC) or closed end home equity loans on loan limits/amounts of $25,000 or more. HELOC and home equity loans less than $25,000 or any other mortgage loan types are not eligible for this offer. Tinker Federal Credit Union (TFCU) refinances are not eligible for this offer if a closing cost or discounted rate offer has been accepted or applied to a TFCU mortgage loan within the last five years unless the new loan includes additional cash out. Closing cost amounts in excess of $440 will be the borrower’s responsibility to pay. A closing cost credit will be issued at the time of closing. Closing costs vary according to property location and typically range from $445.10 to $1004.20. Closing costs incur for real estate appraisal or review, title report, filing and processing fees, and flood certification. If your loan does not fund, you will be responsible to pay the costs for any fees including, but not limited to, processing, abstracting and other related title work if the work has already been performed. Title insurance is required on loan requests of $200,000.01 or more and on investment property loans of any amount. The cost of a Title Insurance Policy is based on your loan amount; the typical range is $365 – $800. Loans with 90% loan to value and above have a maximum loan amount of $50,000. First or second mortgage on currently owned residential property must not exceed a maximum loan to value of 100 percent. TFCU will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement. Property insurance is required. If the property is located in a Special Flood Hazard Area, flood insurance is required. Normal underwriting guidelines apply. To take advantage of this offer, TFCU membership is required, which involves opening an initial share (savings) account with a $5 deposit. For more information current rates and terms, visit www.Tinkerfcu.org or call us at (405) 732-0324 or 1-800-456-4828.
Maximum loan value for all mortgages at TFCU is $1,000,000. 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.