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Get up to 2.50% APY* with a Money Market Checking account.
Get up to 2.50% APY*

Get up to 2.50% APY* with a Money Market Checking account.

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Conventional Mortgage

Spend time thinking about paint colors and furniture, not your mortgage. Learn more about conventional mortgages with OKCU. 

What is a Conventional Mortgage?


Conventional mortgages are the most common type of mortgage loan. This type of home loan has a max loan to value of 95%. In other words, you need at least 5% of the price of the home to start with. This loan also typically needs a minimum credit score of 620. If this sounds like the right fit for you, we’re happy to run the numbers for you!

Conventional isn’t as boring as it sounds. 


Get started with a conventional mortgage.

Fast and easy closing

Our average closing time is 22 days. Plus, we are a part owner of First Rate Title, so closing is a breeze!

Personalized process

You will have a dedicated home loan officer throughout the entire process

Competitive home loan rates
Flexible terms

Up to 30-year terms available

Homebuyer workshops

Meet the Home Loan Team

The OKCU team is Happy to Help® you find the right home loan whether it’s your first time to buy a home or you’re a seasoned pro.

Start your journey today


Experience an easy process, from finding the right home to closing.


Get pre-qualified - Complete an online application and get pre-qualified


Provide documents - These include paystubs, bank statements and more

Close on your house and move in!

We’ll Run the Numbers for You for Free

If you’re a numbers person, we’ll help you nerd out. Schedule an appointment to run the numbers to see what home loan options you have.

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
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OKCU Real Estate Team Experience