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Buy, build or refi your home.

Get started today with TFCU.

Apply Online

Buy, build or refi your home.

Get started today with TFCU.

Apply Online

What’s your goal? We’re here to help.

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Buy a Home

Whether you are just researching or ready to buy, start here.

Get Started

Refinance Your Mortgage

Want to pay off your home loan faster, lower your payment or cash out equity in your home?

Refinance Now
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Home Equity Loans

Interested in home improvements, consolidating debt or accessing money?

Apply Here

Land, Lot & Construction

Thinking of buying land or building a home?

Learn More
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TFCU Mortgage Center

Whether you’re a first-time home buyer or an experienced home owner, get the tools you need in TFCU’s Mortgage Center.

  • Check rates
  • Use calculators
  • Apply online
Visit TFCU's Mortgage Center

Ready to Apply Online?

You can count on TFCU’s mortgage team to help throughout the lending process. To speed things up with your online application, you might gather these items in advance.

  • 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
Apply For a Mortgage Online
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Types of TFCU Home Loans

Conventional Loans

Fixed-rate home loans with a down payment as low as 3%*. Available terms: 10-years, 15-years, 20-year and 30-year terms.

Learn more.

VA Loans

For qualifying active duty and veteran service members – 0% down and no PMI**.

Learn more.

Home Equity Loans

Whether a home equity line of credit (HELOC) or a home equity loan, both allow you to borrow money against your home at competitive rates.

Learn more.

Jumbo Loans

To finance a mortgage more than $484,350, this may be the option for you.

Learn more.

Mortgage Refinance

Lower your payment, shorten your term, or cash out equity in home.

Learn more.

Land, Lot & Construction Loans

Land or lot loans for 10 acres or less. Go from construction loan to mortgage with TFCU.

Learn more.

*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 $510,400 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.

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.