Real Estate Loans
At Southwest Oklahoma FCU, we’re able to offer a full range of mortgage products thanks to a partnership with Centennial Lending. Centennial Lending is a Credit Union Service Organization that is fully owned and operated by Credit Unions. To apply for a mortgage, check current rates or for more information contact the loan department at loans@swofcu.com or call (580)353-0490.
Some of the mortgage products we offer include:
-
- Conventional, FHA and VA
- Fixed & adjustable rates
- Interest only
- 10, 15, 20, 30, & 40 year terms
- Loans for land and lots
- Construction loans
- Reverse mortgage
Additional resources:
HUD.GOV
Click here to submit your mortgage application to Centennial Lending.
Home Equity Loans
At SWOFCU we offer fixed rate home equity loans with competitive rates and terms.
Rates are subject to change at any time. Please contact our loan department for today’s rates.
Additional resources:
*For your personal security, when contacting us via email, do not include any confidential information, such as your account number, social security number, PIN, password, etc. A secure, encrypted message feature is available through our Home Banking by selecting Contact Us. You may also contact us directly at (580) 353-0490 or toll free (866)353-0490 to speak with a Member Service Representative.
Instructions for completing a uniform residential loan application
Mortgage Application Primary Borrower
Mortgage Application Additional Borrower
Mortgage Application Continuation Sheet
Mortgage Application Unmarried Addendum
Home Equity and Mobile Home Loan Rates
Home Equity Loan Rates
Rates are subject to change at any time. Please contact our loan department for today’s rates.
Mobile Homes
| Rate as low as: | Rate as high as: | |
|---|---|---|
| New mobile homes (up to 72 months) | 11.00% APR | 17.50% APR |
| Pre-owned mobile homes (up to 60 months) | 13.00% APR | 17.50% APR |
Effective Date: Jan. 16, 2024
Rates are subject to change without notice. Rates do not apply to existing credit union loans. For Risk Based Pricing the Annual Percentage Rate you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval.
Mortgage Calculators
Should I make extra payments on my mortgage?
How much of a down payment should I make on my new home?
Comparing Mortgages (i.e. 15, 20, 30 years).
What is the Loan to Value Ratio of my home?
The accuracy of these calculators and their applicability to your circumstances are not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
You are about to visit an external site.
You are leaving SWOFCU’s website. The credit union is not responsible for the content of any other website. The privacy and security standards of the other sites may differ from those practiced by the credit union. You should review the privacy and security policy of any site before providing any information.
I understand the risks. Continue.
You are about to visit an external site.
You are leaving SWOFCU’s website. The credit union is not responsible for the content of any other website. The privacy and security standards of the other sites may differ from those practiced by the credit union. You should review the privacy and security policy of any site before providing any information.
I understand the risks. Continue.