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Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.
Earn 5.00% APY*

Earn 5.00% APY* on balances up to $20,000 with a Rewards+ 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.

1

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

2

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.
When my husband and I first arrived in America, we were filled with hope and ambition, but our financial situation was far from ideal. With a zero credit score, our dreams of owning a home felt out of reach. With OKCU's support, we were able to purchase our first home—a place where we could start our small family and build a future together. They didn't just help us buy a house; they helped us turn our dreams into reality.
I had a home mortgage with seven years left on a 15-year mortgage. My husband and I decided to make an appointment with OKCU to discuss refinancing to a 5-year loan. Once my husband and I were in the office doing the paperwork, he asked "Why would you want to save us money?" The mortgage officer responded, "Because we are here to help you save money. That's what we do!" Since then, we have refinanced and paid off our home.
OKCU reached out and helped me refinance my home during the pandemic. I was able to save money on my monthly mortgage payment and reduce my interest rate by a lot. Everyone I have interacted with at OKCU has gone above and beyond to help with all of my needs.
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Average Closing Time
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OKCU Real Estate Team Experience