Mortgage Rates &
Home Loan Options in Oklahoma
I cannot even begin to tell you how awesome my experience has been so far. I don't usually feel compelled to write this kind of letter, but my entire experience with WEOKIE, especially Nikki and Chris has been exceptional. They have gone above and beyond during our home buying process. They don't make me feel rushed, even though I know that they are very busy with other clients as well. They treat me like I really am family and that I matter. We are in the process of completing a home loan with you all and they have been extremely responsive, attentive, and on top of everything. - Josh M.
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
SHOP N’ LOCK!
With our exclusive Power Buyer program,
you get pre-qualified and your low rate is locked in.*
Shop N’ Lock 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 120 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 available to our best-qualified borrowers.
mortgage pre-approval.
With our exclusive Power Buyer program, you get pre-qualified 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.
FHA and VA Home Loans
As part of our mission to serve you, we offer VA and FHA mortgages. These options help make homeownership more affordable for more people, including first-time buyers, with lower down payment requirements and low or no closing costs.
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FHA: Buy a home with a down payment as low as 3.5%.
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VA: Up to 100% financing available to qualified active military members and veterans.
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.
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.
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. Current WEOKIE loans are not eligible for refinancing. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. FEDERALLY INSURED BY NCUA. NMLS# 442689
* Zero Cost Home Equity Loan option is available for loans up to $75,000. CLTV of 90% or less is required if WEOKIE is the holder of the first mortgage. If the first mortgage is held by another financial institution, the CLTV requirement is 80%. Property taxes must be paid current and hazard insurance is required in an amount equal to the total amount of the loan. No appraisal is required on loan amounts less than $75,000. Any loan greater than $75,000 requires a full appraisal at a cost to the borrower in addition to all other loan fees. The offer does not include taxes or insurance, etc. This is a limited-time offer and is subject to change without notice. Please contact a WEOKIE mortgage professional for specific information. The offer ends June 30, 2022.
*** 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. Current WEOKIE loans are not eligible for refinancing.
