Mortgage Rates &
Home Loan Options in Oklahoma
"WEOKIE was absolutely amazing during the home buying process. Not only did they find a great program I was eligible for, they helped with buying a home that worked perfect for our family. They made the process easy from start to finish, answered all questions in a timely manner, and went above and beyond for us. Our loan officer was amazing and worked with our schedule and did her best to accommodate us. I highly recommend WEOKIE to anyone needing a home loan. They made the process easy and stress-free!"
LOW MORTGAGE RATES & HOME LOANS FOR OKLAHOMA
Get the Best Home Loans in Oklahoma with WEOKIE Federal Credit Union
Buying property should be one of the most exciting moments of your life. However, it can be a pretty complicated process. From applying for a loan to finding the right location, there’s a lot to consider. Fortunately, the professionals at WEOKIE are here to help.
Whether you’re looking for your first house or searching for a new house to keep up with an expanding family, WEOKIE Federal Credit Union can help you secure a loan and purchase the home of your dreams with a low monthly payment. At WEOKIE, we offer affordable, local financing with a range of fixed and variable mortgage rates to make your home buying experience stress-free. We even offer first-time homebuyer loans with lower initial rates than competitors, and monthly predictable payments so you can easily budget for your future. No matter what type of Oklahoma mortgage or home loan you’re looking for, WEOKIE can help.


Before rates go up, you can keep them low for longer with
LOCK N’ SHOP!
With our exclusive Lock 'N Shop program,
you get pre-approved and your low rate is locked in.*
Lock N’ Shop keeps you safe from rate hikes while you look for your perfect home.
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Available for Fixed-Rates and Adjustable-Rate Mortgages.
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Rate locks for 90 days.
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If rates dip, you have the option to renegotiate.

Want to lock down a good rate, but don’t need any 30-year guarantees?
Adjustable-Rate Mortgages Can Save You BIG
Buying a house is pricey, even when you’re in an affordable market like OKC. One way to make things a little more reasonable is with a WEOKIE Adjustable-Rate Mortgage (ARM). You’ll get to enjoy a lower initial interest rate for a set period of time. After that, the rate could go up or down during certain periods of the loan based on the market at their adjustment period and loan terms.
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Enjoy lower initial interest rates with lower payments than comparable fixed-rate mortgages. This may help you build equity faster.
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The ARM interest rate resets on a pre-set schedule, typically every 5, 10, or 15 years.
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Rates change with market shifts, and if they go down, so will your monthly payments. Interest rate caps set a limit on how high your interest rate can go.
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Up to 100% home purchase and 95% cash-out financing are available to our best-qualified borrowers.

mortgage pre-approval.
With our exclusive Power Buyer program, you get pre-approved and your low rate is locked in.
YOU THEN HAVE MORE TIME TO FOCUS ON FINDING JUST THE RIGHT HOUSE. YOU NEED TO MAKE HOME-BUYING SUCCESSFUL- AND FAST!
Once you’ve found your dream home, there’s a good chance in today’s competitive market that you’ll be competing with other buyers. To win the deal, you can set yourself apart from other buyers with a rate lock paired with a fully underwritten pre-approval - that shows you’re not only ready to buy, but your homebuying process will be expedited, getting you – and them – to the closing table more quickly and easily.

Home Equity Loans & Lines of Credit
Whatever goal you have in mind, WEOKIE offers flexible options for home equity and home equity lines of credit to make your dreams a reality.
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Home Equity Loan
When a fixed-rate, one-time disbursement sounds like the right loan for you, we’re here to help. See how you can take advantage of your home equity to get a jumpstart on reaching your financial goals.
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Home Equity Line of Credit
Is having access to a line of credit you can use when needed the right plan for you? See how adding a HELOC can help you be ready for the expected and unexpected.

We are here to help.
If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.
HomePath FIRST-TIME HOMEBUYER PROGRAM
Making homeownership an affordable reality for first-time homebuyers.
100% Financing And Closing Cost Assistance To Help You Purchase A Home.
WEOKIE's HomePath first-time homebuyer program is designed to assist modest-income borrowers with a grant to cover their down payment with a mortgage loan option that eliminates the need for costly PMI to be added to the monthly payment - making the dream of homeownership an AFFORDABLE REALITY.

WEOKIE offers ITIN Home Loans!
We offer a home loan solution to our members who have Individual Taxpayer Identification Numbers (ITINs) instead of Social Security Numbers. WEOKIE is motivated to do everything possible to make sure Oklahomans of all ethnic, educational, and professional backgrounds can qualify for a mortgage.

What’s the WEOKIE Difference?
"WEOKIE's help during the process of building/purchasing my home was essentially the only part of the process that went well. They went above and beyond to say the least! I am shouting my gratitude from the rooftops to all who will listen to me!" - Brian M.
Mortgage Options
Our experience in the local market gives you every advantage in the home buying process.
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Purchase your new home
Fixed-Rate Mortgages
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Fixed-rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.
Adjustable-Rate Mortgages
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Adjustable Rate Mortgages, or ARMs, offer a lower starting interest rate and therefore a lower monthly payment. Your rate and payment may increase as time goes on. Our 5/5, 10/10, and 15/15 ARM products are great options.
Jumbo Loans
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Need to borrow more than $726,200? A Jumbo Loan may be your answer. Contact a WEOKIE Mortgage Loan Officer for more information.
No PMI and Unique Situation Loans
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WEOKIE has several loan options available for borrowers not wanting to pay for mortgage insurance and for borrowers looking to purchase or refinance but are facing a unique situation.
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Refinancing Options
We can help you lower your monthly payments or pay off your mortgage faster.
Home Equity Options
A HELOC or Home Equity Line of Credit can help you utilize the value you’ve built in your home.
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Tap into your home equity
Home Equity Loans
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A Home Equity Loan may be an excellent way to utilize the equity in your home for a variety of reasons. It may be utilized to finance home improvements, other real estate, major purchases, dream vacation, college expenses, or for debt consolidation.
HELOC - Home Equity Line of Credit
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Don't need all of the money up front and just need a line of credit? The Fixed Rate Home Equity Line of Credit is an excellent choice with a low 1% (or $50 whichever is less) minimum payment.
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WEOKIE: your one-stop-shop for Oklahoma Mortgages & Home Loans!
Mortgages, loans, and finding a home doesn’t have to be difficult. At WEOKIE, we’re here to help. From finding the home of your dreams, to financing it, to securing a loan and keeping it safe, WEOKIE Federal Credit Union can help make every step in your home-buying experience as easy and as affordable as possible. Let WEOKIE help you find your perfect Oklahoma home. Contact us today to learn more!
Let WEOKIE help you find a great mortgage rate!
One of the hardest parts of buying a property is choosing the right lender. When you approach WEOKIE for a home loan, our experts are with you every step of the way so you can pick the perfect mortgage that fits your budget. We offer a variety of programs to help you find the right property, finance and close a loan, and insure your new home so you don’t have to worry.
At WEOKIE, we’re dedicated to providing the best Oklahoma home loan experience possible. That’s why we consistently offer lower rates and fees than competitors, award-winning service, and expert support when you need it. As a local lender, WE are here for you, so you can rest easy knowing that you can call when you need and receive quick, personalized, and local Oklahoma-standard service.

Let WEOKIE help you find a great mortgage rate!
One of the hardest parts of buying a property is choosing the right lender. When you approach WEOKIE for a home loan, our experts are with you every step of the way so you can pick the perfect mortgage that fits your budget. We offer a variety of programs to help you find the right property, finance and close a loan, and insure your new home so you don’t have to worry.
At WEOKIE, we’re dedicated to providing the best Oklahoma home loan experience possible. That’s why we consistently offer lower rates and fees than competitors, award-winning service, and expert support when you need it. As a local lender, WE are here for you, so you can rest easy knowing that you can call when you need and receive quick, personalized, and local Oklahoma-standard service.
Need help or advice? Talk with a specialist
Complete THIS FORM and a rep will contact you
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Call us at 405-235-3030 or 1-800-678-5363
M-F: 8am - 5:30pm (CT) | Sat: 8am - 1pm (CT)
WEOKIE is proud to provide services through our trusted partners.
HOW CAN OUR TEAM HELP?
We’re here to guide you down the right financial path.
Contact us to learn more about your home equity options.
Our dedicated mortgage professionals will help you through the entire application and approval process.
"The best decision I ever made was to move my accounts to WEOKIE. I saved so much money when I refinanced my car at WEOKIE that I also refinanced my home! I saved over $500 a month!"
TAMARA S.
Mortgage FAQ
Disclosures: Information, rate, terms, and conditions are subject to change without notice and not guaranteed. Some restrictions may apply. Please contact a WEOKIE mortgage professional for more information. All loans are subject to underwriting. Rate and term based on credit score. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. FEDERALLY INSURED BY NCUA. NMLS# 442689 *** The HomeAdvantage® program is made available to you through a relationship between WEOKIE Federal Credit Union and CU Realty Services. Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Homebuyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. WEOKIE may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with a WEOKIE Mortgage representative for details that may affect you.
1Normal lending policies apply. All loans are subject to underwriting. Rate and term based on credit score. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Additional restrictions may apply.