Mortgage Options to Fit Your Lifestyle

First Home Mortgage

First Home Mortgage

Simple & Manageable

  • No Down Payment
  • No PMI
  • Applies to Anyone That Hasn't Owned Property In 3 Years
I Want to Learn More
Fixed Rate Mortgage

Fixed Rate Mortgage

Predictable & Stable

  • Fixed Interest Rate
  • 15 & 30 Year Terms Available
  • 5% Down Payment
  • Refinance Options Available
I Want a Fixed Rate
Adjustable Rate Mortgage

Adjustable Rate Mortgage

Affordable & Transparent

  • 1% Periodic Interest Rate Cap
  • Set Lifetime Cap:
    15 Year Term: 4%
    30 Year Term: 6%
I Want an Adjustable Rate
Retire Your Mortgage

Retire Your Mortgage

Cost-effective & Effortless

  • Super-Low Closing Cost
  • No Escrow Account
  • Pay Off or Refinance Your Home in 10, 7, or 5 Years
Yep, Retire My Mortgage

Mortgage Calculators

Calculators illustration image

Find The Right Price to Fit Your Lifestyle

Knowing your estimated monthly house payment, including principal and interest, taxes, insurance and PMI is the first step to making a great financial decision. We make this possible through two easy to understand calculators.

  • How Much House Can I Afford
  • Mortgage Calculator
Show Me The Calculators

Your Mortgage Loan Specialists

We're here to help you navigate important decisions and find the mortgage that's right for you.

Debra Salazar

Debra Salazar

Senior Mortgage Loan Officer

dsalazar@tulsafederalcu.org
(918) 921.2634

NMLS#1566907

Apply with Debra
Portrait of Blake Thomas, One of Our Senior Mortgage Loan Officers

Blake Thomas

Senior Mortgage Loan Officer

bthomas@tulsafederalcu.org
(918) 344.5900

NMLS#492177

Apply with Blake
Zack Ackley, Senior Mortgage Loan Officer

Zack Ackley

Senior Mortgage Loan Officer

zackley@tulsafederalcu.org
(918) 510.5612

NMLS#878992

Apply with Zack

Mortgage Checklist:

Be Prepared

Be Prepared: What Do I Need To Get Pre-approval?

Show me what I need for pre-approval
I

I'm Pre-approved. What Do I Need For Underwriting?

Show me what I need for underwriting

First Home Mortgage
Click To Learn More About First Home Mortgage

First Home Mortgage

OWN IT! with a First Home Mortgage

With no down payment, no PMI, and multiple term options, a first home mortgage might be your simplest path to home ownership.

Show Me More About First Home Mortgage

Mortgage Rates

+TermInterest Rate (as low as)APR (as low as)ValueExample Payment per $1,000
  • Term
  • Interest Rate (as low as)
  • APR (as low as)
  • Value
  • Example Payment per $1,000
+Retire Your Mortgage5 year2.750%3.192%80%$17.86
  • Retire Your Mortgage
  • 5 year
  • 2.750%
  • 3.192%
  • 80%
  • $17.86
+7 year2.750%3.072%80%$13.11
  • 7 year
  • 2.750%
  • 3.072%
  • 80%
  • $13.11
+10 year 2.750%2.980%80%$9.55
  • 10 year
  • 2.750%
  • 2.980%
  • 80%
  • $9.55
+Fixed Mortgage15 year fixed2.875%2.956%95%$6.85
  • Fixed Mortgage
  • 15 year fixed
  • 2.875%
  • 2.956%
  • 95%
  • $6.85
+20 year fixed3.000%3.063%95%$5.55
  • 20 year fixed
  • 3.000%
  • 3.063%
  • 95%
  • $5.55
+30 year fixed3.250%3.295%95%$4.36
  • 30 year fixed
  • 3.250%
  • 3.295%
  • 95%
  • $4.36
+Adjustable Rate Mortgage15 year adjustable2.500% 2.498%80%$6.67
  • Adjustable Rate Mortgage
  • 15 year adjustable
  • 2.500%
  • 2.498%
  • 80%
  • $6.67
+30 year adjustable2.875%2.502%80%$4.15
  • 30 year adjustable
  • 2.875%
  • 2.502%
  • 80%
  • $4.15
+First Home Mortgage15 year adjustable 3.000%3.005%100%$6.91
  • First Home Mortgage
  • 15 year adjustable
  • 3.000%
  • 3.005%
  • 100%
  • $6.91
+30 year adjustable 3.375%3.009%100%$4.43
  • 30 year adjustable
  • 3.375%
  • 3.009%
  • 100%
  • $4.43

The displayed Annual Percentage Rate (APR) for “Fixed Mortgages” and “Adjustable Mortgages” assumes a loan amount of $150,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs. The displayed Annual Percentage Rate (APR) for “Retire Your Mortgage”, “Second Mortgage/Home Equity”, and “Unimproved Land” assumes a loan amount of $50,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs. The APR is calculated based on a loan to collateral value of 80% for fixed rate first position mortgage programs. The rate may be based on creditworthiness, loan to value of the collateral and term of loan. Rates provided are based on current market rates and are informational only. Rates on adjustable mortgages may increase after consummation. Example payments per $1,000 are for stated term. Payment amounts are estimated and include only principal and interest amounts. Actual payments may be higher and may include taxes and insurance premiums, if applicable. Primary residence and second home mortgages are available for first position mortgages. Must be owner occupied residential property located in the State of Oklahoma. Mortgages not available on rental property, manufactured homes, or modular homes. Property insurance is required. If the property is in a Special Flood Hazard Area, flood insurance is required if its 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. On adjustable mortgage with terms of 15 years or less the adjustments are every three years and are capped at 1% with a 4% total increase over the life of the loan. On adjustable mortgage with terms of more than 15 years the adjustments are every three years and are capped at 1% with a 6% total increase over the life of the loan. First Home Mortgage program maximum loan amount is $300,000. First time home buyers must not have owned real property in the last three years. Disclosed information may not be applicable for Jumbo mortgages, mortgages in excess of $484,350. Please call for programs, rates terms, and conditions for Jumbo mortgages. 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 (918) 610-0200 or toll-free at (800) 256-5626.

You're Ready, It's Time To Get Started

Getting a pre-approval for a home is the best first step you can take in the purchase process. It shows you’re a serious buyer, gives you a price range within which to shop and will open doors not available to those who aren’t prepared.

Mortgage Terms and Conditions The displayed Annual Percentage Rate (APR) for “Fixed Mortgages” and “Adjustable Mortgages” assumes a loan amount of $150,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs. The displayed Annual Percentage Rate (APR) for “Retire Your Mortgage”, “Home Equity”, and “Unimproved Land” assumes a loan amount of $50,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs. The APR is calculated based on a loan to collateral value of 80% for fixed rate first position mortgage programs. The rate may be based on creditworthiness, loan to value of the collateral and term of loan. Rates provided are based on current market rates and are informational only. Rates on adjustable mortgages may increase after consummation. Example payments per $1,000 are for stated term. Payment amounts are estimated and include only principal and interest amounts. Actual payments may be higher and may include taxes and insurance premiums, if applicable. Primary residence and second home mortgages are available for first position mortgages. Home equity loans are available on primary residence properties only. Must be owner occupied residential property located in the State of Oklahoma. Mortgages not available on rental property, manufactured homes, or modular homes. Property insurance is required. If the property is in a Special Flood Hazard Area, flood insurance is required if its 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. On Adjustable rate mortgages with terms of 15 years or less, the first adjustment and all subsequent adjustments are capped at 1% per adjustment.  The maximum increase over the life of the loan is 4%. On Adjustable rate mortgages with terms of 15 years or greater, the first adjustment and all subsequent adjustments are capped at 1% per adjustment. The maximum increase over the life of the loan is 6%. First Home Mortgage program maximum loan amount is $300,000. First time home buyers must not have owned real property in the last three years. If you have any questions or require current rate information, please call the Credit Union at (918) 610-0200 or toll-free at (800) 256-5626. All loan programs, rates, terms, and conditions are subject to credit approval and underwriting requirements and may change at any time without notice. Click here to find NMLS® ID Numbers.