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      WEOKIE: your one-stop-shop for everything homes!

      From finding the home of your dreams to financing it, closing the loan, and even insuring it... we want to make every step in your home-buying experience as easy and as affordable as possible.

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        From auto loans to refinancing a mortgage, WEOKIE has the resources and tools to create a lending program tailored to your needs. 

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              We are here to help.

              At WEOKIE, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

                HomePath First-Time Homebuyer Program

                We can make your dream of homeownership an affordable reality.

                Apply Now

                Benefits of Our First-time Homebuyer Program

                Down Payment Assistance 
                Get a $7,500 grant to help cover your down payment or closing costs.
                No PMI Added to Payment
                Get a lower monthly payment when we waive private mortgage insurance.
                Local Loan Servicing
                Relax knowing we're here for you and won't sell your mortgage to an out-of-state company.

                Are You a First-Time Homebuyer in Oklahoma?

                No financial situation should stand in the way between you and your first home. A down payment is a big hurdle for most Americans, and the added expense of private mortgage insurance (PMI) can make owning a home almost impossible.

                Our new HomePath program is designed to be a more affordable mortgage option for first-time buyers.

                • Available to all eligible borrowers in Oklahoma – There are no area or county restrictions.
                • The property you want to buy can be located anywhere in Oklahoma.
                • Down Payment Assistance – WEOKIE will provide a grant (not a loan) up to $7,500*
                • 100% Financing – Options with no down payment needed are also available.
                • No PMI Requirement – Our program eliminates the need for Private Mortgage Insurance.
                • Our origination fee is only $750.
                • Mortgage Payments are compatible with existing rent payments – and often lower
                • Spanish-Speaking Mortgage Professionals are available to guide you through the process!

                Plus, you can enjoy local servicing and expert guidance when you choose WEOKIE as your lender!

                Apply Now





                HomePath Requirements

                WEOKIE's HomePath First-Time Homebuyer Program offers a grant to cover your down payment. You also get a mortgage loan option that eliminates the need for costly PMI to be added to your monthly payment.

                Here's what you need to qualify as an Oklahoma first time home buyer:

                • Must be a first-time homebuyer, or haven't owned a home in the last 3 years
                • Owner-occupied properties only
                • The home must be in average condition and move-in ready
                • Borrower(s) must qualify for membership with WEOKIE
                • Rate and term based on credit score
                • Minimum credit score of 620 is required
                • Debt-to-income requirements apply
                • 2 Years Employment required
                • 2 Years filed Tax Returns required
                • The maximum sales price is $250,000
                • Pre and Post-Purchase Housing, Counseling, and Homebuyer Education courses are required.**
                • Income requirements apply.
                • Property must be in Oklahoma.

                Click here to view the HomePath Program's disclosures.

                Apply Now


                Loan Type Term Rate APR*
                WEOKIE HomePath WEOKIE HomePath 30 Year Fixed Rate 7.625% 7.887%

                Apply Now

                Rate as of: 02/14/2023

                *APR = Annual Percentage Rate. Rates posted are indications only, not guaranteed and are subject to change without notice. Rates quoted above are for our best-qualified applicants. Your actual rate, points, costs and amount borrowed may be different as many factors go into providing you with a mortgage loan. Other products are available that are not listed here. ARM rates are subject to change after loan closing. Insurance and tax escrows are required on all first mortgage loans where the loan to value ratio exceeds 80%. These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate may depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing. Interest rates for Home Equity Lines of Credit or HELOCS are determined by the calculated Loan to Value or LTV once an appraisal has been received by WEOKIE. Contact a WEOKIE Mortgage Loan Officer for more details. All mortgage loans are subject to re-pricing once an appraisal has been received by WEOKIE. Existing WEOKIE mortgage loans may not be available for promotional benefits. Visit https://mortgage.weokie.org/rates.asp for more info and addition products, rates and terms. Contact a mortgage loan officer for questions and details.

                We'll Guide You Through Our First-Time Homebuyer Application Process



                Apply Online

                Gather your information and documents then use our simple, secure portal to get started.



                Get Pre-Qualified

                We'll look at your financial picture and offer you a fixed rate for a 30-year loan term.



                Find a Home!

                With your financing ready, you can shop with confidence and we'll help you through closing.

                Get Started

                "Always friendly and professional and always the best rates if you’re looking for loans or banking!"
                Michael G., Oklahoma City, OK

                FAQ About Our First-Time Homebuyer Assistance Programs

                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.

                Explore More Home Financing Tools

                Adjustable-Rate Mortgages

                An ARM home loan offers a lower, fixed rate and payment in the period before your rate adjusts with the markets. Great when rates are high or you're selling soon!

                Learn More


                Lock 'N Shop Preapproval Program

                Take advantage of our feature that lets you lock in your pre-qualified rate while you shop for a home. This means you get to keep the lower rate if market rates go up.

                Learn More



                Once you've built up equity in your home, you might want to access the cash through a home equity line of credit. Ideal for ongoing home improvement projects or other major expenses and goals.

                Learn More


                *Normal lending policies apply.  The information published, the terms, conditions, and descriptions shown may be subject to change without notice and not guaranteed. Credit and collateral are subject to approval. Not all applicants will qualify. All loans are subject to underwriting. Rate and term based on credit score. Minimum 620 credit score required. Current WEOKIE loans are not eligible for refinancing. Maximum income and loan amount limits apply. Homebuyer education may be required.  Fixed-rate mortgages (no cash-out refinances), primary residences only. Certain property types are ineligible. The maximum loan-to-value (“LTV”) is 80%, and the maximum combined LTV is 105%. The borrower's total annual qualifying income must not exceed 120% of the AMI (see https://ami-lookup-tool.fanniemae.com/amilookuptool). Homebuyer(s) must meet NHSOKLA grant requirements for down payment assistance. Down payment and/or closing cost assistance amount may be due upon sale, refinance, transfer, repayment of the loan, or if the senior mortgage is assumed during the term of the loan. Some programs require repayment with interest and borrowers should become fully informed prior to closing. Owner-occupied properties only.  Manufactured Homes and Condos are not permitted. The home must have been owned by the seller for at least 6 months. The home must be in average condition and move-in ready. Short-Sale, Foreclosed, or REO homes in "move-in ready" condition not allowed. Non-occupying co-borrowers and non-occupying co-owners are prohibited. Additional terms,  conditions, and restrictions may apply.  Please contact a WEOKIE mortgage professional for more information. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. FEDERALLY INSURED BY NCUA. NMLS# 442689. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Borrower(s) must qualify for membership with WEOKIE.

                **At least one borrower must complete a one-on-one Pre-Purchase housing counseling and education course thru Neighborhood Housing Services of Oklahoma (NHSOKLA).