Home Loans

Your Home Loan is a Big Deal


Start with the one you trust. Easy to apply with help at every step.

Your Home Loan is a Big Deal

Start with the one you trust. Easy to apply with help at every step.

*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.

Fixed Rate Home Loans

When you find your perfect home or want to refinance, trust in TFCU to help you achieve your goals and realize your dreams. Here’s what you can expect:

  • Competitive interest rates
  • Option to buy points and lower your interest rate
  • Down payment as low as 3%*
  • VA loans with up to 100% financing**
  • 10-year, 15-year, 20-year, 30-year terms
  • Get pre-approved and shop for your new home (approved for up to 120 days)

Visit TFCU’s Mortgage Center to learn more or apply today.

Man and woman with arms around each other walking toward thier new home.

Your Home Loan Is A Big Deal

We’ll be with you every step of the way. From applying to closing, you can count on us.

Step by step to buying your new home.
Home buying step 1.

Step 1. Apply.

Apply online in 20 minutes or less. Or schedule a time to meet with a TFCU home loan expert.

Dots-Horizontal-Home-Buying

Step 2. Credit Approval.

Once TFCU confirms your credit approval status, you can house hunt with confidence.

Home buying step 2.
Dots-Horizontal-Home-Buying
Home loan step 3

Step 3. Processing.

As our team works behind the scenes, we’ll reach out with questions and ask you for documents along the way.

Dots-Horizontal-Home-Buying

Step 4. Final Approval.

Next the TFCU underwriting team will make it all official with your final loan review and confirmation.

Home loans step 4
Dots-Horizontal-Home-Buying
Home loans step 5.

Step 5. Closing.

Once you have final TFCU approval, you’ll sign all of the documents at a title company on your closing day. Hooray!

Step by step to buying your new home.
Home buying step 1.

Step 1. Apply.

Apply online in 20 minutes or less. Or schedule a time to meet with a TFCU home loan expert.

Home buying step 2.

Step 2. Credit Approval.

Once TFCU confirms your credit approval status, you can house hunt with confidence.

Home loan step 3

Step 3. Processing.

As our team works behind the scenes, we’ll reach out with questions and ask you for documents along the way.

Home loans step 4

Step 4. Final Approval.

Next the TFCU underwriting team will make it all official with your final loan review and confirmation.

Home loans step 5.

Step 5. Closing.

Once you have final TFCU approval, you’ll sign all of the documents at a title company on your closing day. Hooray!

Helping You Realize Your Dreams

Home ownership is a big life event. We love hearing our members tell us how we’ve helped them make their life better and reach their goals.

When you find your perfect home or want to refinance, our Mortgage Lending Department will help you achieve your goals and realize your dreams.

TFCU offers conventional loans, conventional jumbo loans and VA loans with fixed rates. Click the Mortgage Center button below to learn more about all of TFCU’s mortgage loan products.

Conventional Loans

For Conventional Loans up to $484,350, TFCU will finance up to 97 percent* of the current appraised value of the residence or purchase price, whichever is less. Private Mortgage Insurance (PMI) is required if financing is over 80 percent of your home’s value.

For Conventional Loans over $484,350 up to $750,000, TFCU will finance up to 80 percent of the current appraised value of the residence or purchase price, whichever is less.

VA Loans

For VA Loans up to $484,350, TFCU will finance up to 100 percent** of the current appraised value of the residence or purchase price, whichever is less. VA Funding Fee applies.

*Maximum loan-to-value depends on type of loan requested, property type and occupancy.
**Except for cash-out refinances, the VA Funding Fee may be financed over-and-above 100% loan-to-value.