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The right mortgage for your budget.

Mortgages For Many Home Types

Use an Allegiance Mortgage for your primary home, second home, vacation home, or even an investment property. We offer conventional, FHA and VA loans.
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Fixed & Adjustable Rate Mortgages

No matter what type of home you’re financing, we've got both fixed and adjustable rate options with terms that fit your budget.
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Your Local Mortgage Lender

Our loan advisors have a working knowledge of the local OKC metro real estate market and loan decisions are made at ACU!
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This Mortgage representative in a sweater at her desk can help you find an affordable home loan.

Fixed Rate And Adjustable Rate Mortgages

We offer both fixed and adjustable rate mortgages so you can choose the option that makes the most sense for you, your family, and your budget.
Mortgage options are available for every budget helping this dream kitchen become a reality.

A Mortgage For Your Primary, Secondary, or Investment Home

Whatever your reason for making a real estate purchase, our Mortgage options will fit your needs. With conventional, and VA loan options, you're bound to find what you need.
Our low Mortgage rates make this tan and brick home a possible match for your budget!

Purchase a New Home or Refinance with a Mortgage from Allegiance

Whether you’re looking to buy your first home or refinance the home you already have, our Mortgages offer low rates, great terms, and budget-friendly payments!
Complete Home Buying Checklist

Claim your FREE copy!

Free home buying guide and things to look out for.

This E-book contains:

  • How Much House Can I Afford?
  • What Loan is Right for You?
  • Getting Pre-Qualified or Pre-Approved is a MUST
  • The Final Walk-through and Closing
  • Mistakes to Avoid
  • And Much More!

Mortgage Rates


*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
***ARM = Adjustable-Rate Mortgage; call for details

Mortgage Rates
Mortgage Type
APR* (as low as)
Max LTV**
Mortgage Type
First Mortgage
5-30 yr terms
Call for rates!
APR* (as low as)
Max LTV**
Mortgage Type
Second Mortgage
5 years
APR* (as low as)
Max LTV**
Mortgage Type
Second Mortgage
10 years
APR* (as low as)
Max LTV**
Mortgage Type
Second Mortgage
15 years
APR* (as low as)
Max LTV**
Mortgage Type
5/5 ARM***
30 years
Start Rate
APR* (as low as)
Max LTV**
Effective November 1, 2023

*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
***ARM = Adjustable-Rate Mortgage; call for details

A VA Loan can help this military mom and daughter become homeowners.

VA Loans Available

VA loans are backed by the Department of Veterans Affairs and offer exclusive mortgage benefits to eligible service members, veterans and their spouses.

Allegiance would like to sincerely thank all military families for your service and sacrifices.

  • No Down Payment Necessary
  • No Private Mortgage Insurance (PMI)
  • Terms Tailored To Meet Your Needs

Increase Your Buying Power


What are Adjustable Rate Mortgages

Often referred to as an “ARM,” an adjustable rate mortgage is a type of home loan structured to change with prevailing interest and market conditions over time. These types of home loans typically start with a fixed mortgage rate during the introductory period. Once that time expires, an adjustable rate mortgage fluctuates on a monthly or yearly basis.

Allegiance has a 5/5 ARM option. This offers a five-year introductory period at a low-interest rate. After the five years expires, the mortgage rate is recalculated every 5 years for the remainder of the loan. Thus, “5” years of fixed rates, followed by changes every “5” years. 

It’s also important to understand that an adjustable rate mortgage has a wide range of uses. These types of mortgage loans can be used to purchase investment property or land, refinance a mortgage, as well as buy a single-family house.

When to Use Adjustable Rate Mortgages

Selecting an adjustable rate mortgage provides borrowers with significant benefits, under the right circumstances. These types of mortgage loans generally start with attractively low interest rates, favorable terms, and offer easy online applications.

If You Plan to Relocate

An adjustable rate mortgage tends to be an excellent choice for people who expect to relocate. The low mortgage rate during the introductory period reduces monthly expenses. Securing this type of home loan positions families to sell the property before the mortgage rate changes. 

Rising Interest Rates

It’s difficult to predict whether overall interest rate will rise or fall in the coming years. That’s why the introductory fixed mortgage rate during the initial years is so important. Borrowers have an opportunity to decide whether to stick with the adjustable rate mortgage or refinance if they believe interest will rise.

Contact one of our Mortgage Loan Officers today to discuss in more detail or continue reading Is an Adjustable-Rate Mortgage Right For You? blog post. 


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Payment Calculator

Mortgage Calculator

With Allegiance's Mortgage Loan you can rest easy knowing that our team will take you through the process. Use this handy calculator to see how much house you can afford. Your actual payment will be provided upon approval and acceptance of the loan.

We know that the home buying process is complicated, but we are by your side every step of the way!

Allegiance has a team of mortgage experts that are ready to help you navigate the housing market, solidify your mortgage plan, and make sure you find the best home for you and your budget!

Important Mortgage Resources

Manage My Home Loan

Access your loan balance, payment options, and other account information — all from the comfort of home with Manage My Home Loan.

Register or log in to Manage My Home Loan today!

Mortgage research is important as shown by this woman at laptop with coffee.

Employee Name and NMLS Identifier

Dougherty, Leasa 488310

Goines, Micheala 1663406

Hughes, Ron 1047692

Medina, Ruby 1832253

Silva, Diego 1608829

Willis, Nichole 1443652

Allegiance Credit Union Mortgage Team Members

The SAFE Act

Allegiance mortgage loan originators are registered and in compliance with the Secure and Fair Enforcement of Mortgage Licensing Act (SAFE Act). One purpose of the SAFE Act is to increase consumer protection by allowing consumers access to mortgage loan originator information with whom they wish to conduct business. You may access information at the nationwide mortgage-licensing registry.

Affordable mortgage rates with Allegiance can be found online like this man looking at his tablet.

Important Forms

The following forms may be needed during the mortgage process:

ACH Form
Insurance Claims Information Sheet
Subordination Request Checklist

Mortgage paperwork made easy shown by man signing form.

Error Resolution

All requests must be in writing on a separate piece of paper and submitted to:
Allegiance Credit Union
Attn: Mortgage Servicing
4235 N Meridian Ave
Oklahoma City OK 73112

For Error Resolution include: your name, mortgage or account number and error. For Mortgage service information requests include: your name, mortgage or account number and request details.

Mortgage paperwork done right shown by man signing paperwork.

What is Equal Housing Lender

There are laws in place that prevent discrimination during the home selling, buying, and financing process on the basis of race, color, religion, sex, handicap, familial status, or national origin.

Allegiance is an Equal Housing Lender.


A mortgage can your dream of a home with a spiral staircase a reality.

Mortgage - FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

VA Loans require 0% down, while Conventional Loans require 5%. You can ask a Mortgage Loan Officer about down payment assistance options.

There are many factors that are considered when it comes to getting approved, but generally speaking, it’s best to have a FICO score over 640. Please call 405-717-9919 for more information on qualification requirements.

It’s not required to use a realtor when purchasing a home, but definitely recommended!

Yes, you can make extra principal only payments on your loan as frequently as you like. Loan must be current to apply extra principal payments.

A Mortgage calculator and this smartphone calculator can help youdecide if your potential payment will fit in your budget.
Free Mortgage Calculators

Use our mortgage calculators to see how affordable a home can be!