Buying a Home

Home buying made easier

We’re here for you every step of the way.

Ready to get started?

What to expect from TFCU

So you’re beginning your home-buying journey? Great! Let us help you navigate the home buying process. In this process, you will meet with a TFCU registered mortgage professional who can walk you through the pre-qualification to help make you more attractive to sellers and can discuss all of your financing options. Here’s what you can expect from the TFCU home loan process:

Competitive, fixed interest rates.
Option to buy points and lower your interest rate.
Down payment as low as 5%.
10-year, 15-year, 20-year, 30-year terms.
VA Loans with 100% financing.
Jumbo loans available for financing mortgages more than $806,500.
Pre-approved for up to 90 days.

Conventional loan down payments range from 3% to 20%. VA Loan down payments range from 0% to 20%. If you accept this offer, 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. Property insurance is required. Property must be in Oklahoma. TFCU membership is required, which involves opening an initial share (savings) account with a $5 deposit. For current rates and terms, visit TFCU’s Mortgage Center or call us at (405) 732-0324 or 1-800-456-4828.

Get pre-approved before you shop

Whether you’re searching for your first or next home, it’s a great idea to get pre-approved before you shop. At TFCU, buyers can get approved for up to 120 days. To speed up the application process, you’ll want to round up the following information:

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.
Download a complete document checklist.

Get started and apply online, or schedule an appointment with a TFCU home loan expert.

Getting financially ready to buy a home

Keep this in mind as you get your “money matters” in order to purchase a home:

Keep your debt to a minimum.
Save money and plan for a 5% down payment toward the purchase price or appraised value of the home, whichever is lower.
Know what your credit is like–you must have some established credit to be a TFCU home buying candidate.

Could you benefit from credit or debt coaching? It’s normal to need this help and direction. TFCU’s Member Solutions is here for you– just call (405) 319-7991 or email membersolutionsreferrals@tinkerfcu.org to schedule your one-on-one session.

Managing your mortgage is easy

Whether at home or on-the-go, we make it easy for you to access and manage your home loan with online and mobile banking so you can get the most out of your mortgage with us.

You can use your mortgage portal to get a clear snapshot of your home loan all in one place, from wherever you are.

View mortgage balances
Manage payments
See payment history
Access loan details
And much more

Find your mortgage portal in three easy steps.

Download our app or visit our website.
Sign in or enroll into online and mobile banking.
From your “Accounts” page, select “Mortgage.”

When signing into the portal for the first time, we recommend that you access it through a desktop.

TFCU NMLS Identifier 490973
To obtain a copy of all NMLS registered Mortgage Loan Originators (MLOs), please contact TFCU or visit your nearest TFCU branch.