Mortgages for purchase or refinance.
The right mortgage for your budget.
Mortgages For Many Home Types
LEARN MORE +Low Affordable Mortgage Rates
LEARN MORE +Your Local Mortgage Lender
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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.
THANK YOU FOR YOUR SERVICE
Homes For Heroes!
Through Homes for Heroes eligible homebuyers can often save at least $750 when they buy or refinance a home with Allegiance Credit Union.
Heroes who qualify include:
• Teachers
• Veterans
• Active Military
• Medical Professionals
• Firefighters
• Law Enforcement
How it works: Allegiance will apply $750 towards closing costs on home purchase loans for qualifying members. Additional savings may be available from other participating partners through Homes for Heroes. Click here to learn more and apply.
If you believe you may qualify for this program, let the Allegiance Mortgage Specialist you’re working with know.


Mortgage Rates
*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
5, 10, 15 years
30 years - call for rates
5, 10, 15 years
*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
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 are with you every step of the way.
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We know that the home buying process is complicated, but we are by your side every step of the way!
- Mortgage experts at your service.
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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!
Mortgage - FAQ
We are here to answer all of your questions. Let us know how we can help!
- How much money do I need for a downpayment?
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VA Loans require 0% down, while Conventional Loans require 5%. You can ask a Mortgage Loan Officer about down payment assistance options.
- What options do you have for first-time homebuyers?
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Allegiance Credit Union is proud to offer FHA loans. They allow borrowers to finance homes with down payments as low as 3.5% and are especially popular with first-time homebuyers. One of our Mortgage Loan Officers would be happy to speak to you about down payment assistance options as well.
- What does my credit score need to be to qualify for a home loan?
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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.
- Do I need to use a realtor?
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It’s not required to use a realtor when purchasing a home, but definitely recommended!
- Can I apply extra money towards the principal balance?
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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.

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