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Compare Home Loans

Mortgages aren’t one-size-fits-all. Check out your home loan options and find out which loan best fits your needs.

620

Minimum Credit Score

5%

Minimum Down Payment

15, 20 or 30 years

Terms Available

95%

Max Loan-to-Value

Varies

Upfront Mortgage Insurance / Funding

Yes, based on down payment amount

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

$726,200

Max Loan Size

Yes

Accept Gift Funds?

Conventional mortgages are not backed by a government agency. These are the most common mortgages.

Description

620

Minimum Credit Score

3.5%

Minimum Down Payment

15 and 30 years

Terms Available

96.5%

Max Loan-to-Value

1.75%

Upfront Mortgage Insurance / Funding

Yes

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

$472,030

Max Loan Size

Yes

Accept Gift Funds?

FHA loans feature lower down payment options.

Description

600

Minimum Credit Score

0%

Minimum Down Payment

15 or 30 years

Terms Available

100%

Max Loan-to-Value

Varies

Upfront Mortgage Insurance / Funding

No

Monthly Private Mortgage Insurance

41%

Max Debt-to-Income Ratio

$647,200

Max Loan Size

Yes

Accept Gift Funds?

VA loans are backed by the U.S. Department of Veterans Affairs and typically do not require a down payment.

Description

680

Minimum Credit Score

10%

Minimum Down Payment

5/1, 10/10 or 15/15 years

Terms Available

90%

Max Loan-to-Value

No

Upfront Mortgage Insurance / Funding

No

Monthly Private Mortgage Insurance

43%

Max Debt-to-Income Ratio

$647,200

Max Loan Size

Varies

Accept Gift Funds?

An Adjustable-rate mortgage (ARM) starts with a low, fixed-interest rate period that typically lasts for a few years and then transitions to an adjustable-rate period.

Description

640

Minimum Credit Score

0%

Minimum Down Payment

30 years

Terms Available

105%

Max Loan-to-Value

Yes

Upfront Mortgage Insurance / Funding

0.35%

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

Varies

Max Loan Size

Yes

Accept Gift Funds?

USDA mortgage loans, also known as USDA rural development loans, are backed by the USDA Rural Development and assist eligible applicants purchasing homes in rural areas.

Description

620

Minimum Credit Score

5%

Minimum Down Payment

15, 20 or 30 years

Terms Available

95%

Max Loan-to-Value

Varies

Upfront Mortgage Insurance / Funding

Yes, based on down payment amount

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

$726,200

Max Loan Size

Yes

Accept Gift Funds?

Conventional mortgages are not backed by a government agency. These are the most common mortgages.

Description

620

Minimum Credit Score

3.5%

Minimum Down Payment

15 and 30 years

Terms Available

96.5%

Max Loan-to-Value

1.75%

Upfront Mortgage Insurance / Funding

Yes

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

$472,030

Max Loan Size

Yes

Accept Gift Funds?

FHA loans feature lower down payment options.

Description

600

Minimum Credit Score

0%

Minimum Down Payment

15 or 30 years

Terms Available

100%

Max Loan-to-Value

Varies

Upfront Mortgage Insurance / Funding

No

Monthly Private Mortgage Insurance

41%

Max Debt-to-Income Ratio

$647,200

Max Loan Size

Yes

Accept Gift Funds?

VA loans are backed by the U.S. Department of Veterans Affairs and typically do not require a down payment.

Description

680

Minimum Credit Score

10%

Minimum Down Payment

5/1, 10/10 or 15/15 years

Terms Available

90%

Max Loan-to-Value

No

Upfront Mortgage Insurance / Funding

No

Monthly Private Mortgage Insurance

43%

Max Debt-to-Income Ratio

$647,200

Max Loan Size

Varies

Accept Gift Funds?

An Adjustable-rate mortgage (ARM) starts with a low, fixed-interest rate period that typically lasts for a few years and then transitions to an adjustable-rate period.

Description

640

Minimum Credit Score

0%

Minimum Down Payment

30 years

Terms Available

105%

Max Loan-to-Value

Yes

Upfront Mortgage Insurance / Funding

0.35%

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

Varies

Max Loan Size

Yes

Accept Gift Funds?

USDA mortgage loans, also known as USDA rural development loans, are backed by the USDA Rural Development and assist eligible applicants purchasing homes in rural areas.

Description

620

Minimum Credit Score

5%

Minimum Down Payment

15, 20 or 30 years

Terms Available

95%

Max Loan-to-Value

Varies

Upfront Mortgage Insurance / Funding

Yes, based on down payment amount

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

$726,200

Max Loan Size

Yes

Accept Gift Funds?

Conventional mortgages are not backed by a government agency. These are the most common mortgages.

Description

620

Minimum Credit Score

3.5%

Minimum Down Payment

15 and 30 years

Terms Available

96.5%

Max Loan-to-Value

1.75%

Upfront Mortgage Insurance / Funding

Yes

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

$472,030

Max Loan Size

Yes

Accept Gift Funds?

FHA loans feature lower down payment options.

Description

600

Minimum Credit Score

0%

Minimum Down Payment

15 or 30 years

Terms Available

100%

Max Loan-to-Value

Varies

Upfront Mortgage Insurance / Funding

No

Monthly Private Mortgage Insurance

41%

Max Debt-to-Income Ratio

$647,200

Max Loan Size

Yes

Accept Gift Funds?

VA loans are backed by the U.S. Department of Veterans Affairs and typically do not require a down payment.

Description

680

Minimum Credit Score

10%

Minimum Down Payment

5/1, 10/10 or 15/15 years

Terms Available

90%

Max Loan-to-Value

No

Upfront Mortgage Insurance / Funding

No

Monthly Private Mortgage Insurance

43%

Max Debt-to-Income Ratio

$647,200

Max Loan Size

Varies

Accept Gift Funds?

An Adjustable-rate mortgage (ARM) starts with a low, fixed-interest rate period that typically lasts for a few years and then transitions to an adjustable-rate period.

Description

640

Minimum Credit Score

0%

Minimum Down Payment

30 years

Terms Available

105%

Max Loan-to-Value

Yes

Upfront Mortgage Insurance / Funding

0.35%

Monthly Private Mortgage Insurance

45%

Max Debt-to-Income Ratio

Varies

Max Loan Size

Yes

Accept Gift Funds?

USDA mortgage loans, also known as USDA rural development loans, are backed by the USDA Rural Development and assist eligible applicants purchasing homes in rural areas.

Description

Happy to Help

OKCU did a flawless job on our home loan. They walked us through every step of the process and made sure we had everything we needed to close promptly and without a hiccup.
OKCU has helped me keep everything going smoothly with my mortgage. OKCU just makes my life easier.
Absolutely wonderful experience with my loan. Competitive rate, complete transparency, availability to answer questions, no pressure tactics.
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Average Closing Time
0 Years
OKCU Real Estate Team Experience