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.