The total maximum loan to value ("TLTV") of the home is 100% for Second Mortgage. TLTV will be determined by the value of your home less the balance of the first mortgage. Rates and maximum TLTV are based on borrower's creditworthiness. Minimum loan amount is $10,000. Must be owner occupied residential property located in the State of Oklahoma. Program not available on rental property, manufactured 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. All loan programs, rates, terms, and conditions are subject to credit approval and underwriting requirements and may change at any time without notice. If you have any questions or require current rate information, please call the Credit Union at 800.256.5626 or 918.610.0200.