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

                Mortgage Refinance


                Get a mortgage payment that better suits your budget and cash out equity while you're at it.

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                See How You Can Benefit From a Mortgage Refinance

                Change Your Term

                You can shorten your term to build equity and get debt-free faster or extend it for lower payments.

                Switch Your Loan

                Change your mortgage type to save money, whether you have a fixed-rate loan or ARM.

                Access Your Equity

                If your home has gained value, you can likely tap into your equity to pay for improvements and more.

                Reduce Your Rate

                You may qualify for a lower rate if your finances have improved or market rates have dropped.

                Details About Mortgage Refinancing in Oklahoma

                Refinancing your mortgage means you get a whole new mortgage to replace your old one. Here are a few pointers to help you decide if a mortgage refinance is right for you:

                • You might qualify for a lower rate, lowering your mortgage payment so you pay less total interest.

                • You can shorten or lengthen your loan to suit your current budget and goals.

                • You can likely switch from an adjustable-rate mortgage (ARM) to fixed-rate or vice versa if market activity favors one type over another.

                • If you've built up equity, you might be able to do a cash-out refinance to pay for renovations, debt consolidation, and more.

                • You’ll need to pay closing costs, like for your original mortgage, so make sure the gains outweigh the expense.

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

                Apply Now

                Mortgage Refinance Rates, OK

                Loan Type Rate APR* Points
                10 Year Fixed Rate Loan 6.250% 6.813% 0
                15 Year Fixed Rate Loan 6.625% 7.029% 0
                20 Year Fixed Rate Loan 6.625% 6.949% 0
                30 Year Fixed Rate Loan 6.875% 7.125% 0
                10 Year 5/5 ARM Loan 6.500% 7.121% 0
                15 Year 5/5 ARM Loan 6.500% 7.000% 0
                20 Year 5/5 ARM Loan 6.500% 6.945% 0
                30 Year 5/5 ARM Loan 6.500% 6.895% 0
                20 Year 10/10 ARM Loan 6.625% 6.684% 0
                30 Year 15/15 ARM Loan 6.750% 6.756% 0
                *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.

                Follow These Steps to Apply for Your Mortgage Refinance



                Apply Online

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



                Get Pre-Qualified

                We'll look at your existing mortgage and financial situation and offer you a rate for your chosen loan.


                Get Started



                Start Fresh!

                We'll pay off your old home loan and you'll start saving money with your brand new mortgage!

                "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 Refinance FAQ

                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.

                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.

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                View Mortgage Rates

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                WEOKIE is proud to provide services through our trusted partners.


                Get the right home loan to match your situation and goals so you have affordable monthly payments and can become a homeowner sooner!

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                Home Equity Loan

                Get a lump sum installment loan to pay for home improvements, travel, debt consolidation, and more. Enjoy a fixed rate so budgeting is easy!

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                A home equity line of credit gives you a source of funds to use when you need, and you only pay interest on the part you use! Ideal for ongoing projects.

                Learn More

                ** 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. See https://weokie.myhomeadvantage.com/ for more info.