OKC Mortgage Solutions
Home Starts Here
If you're a first time homebuyer, ready for your second home, or looking to refinance, Allegiance has you covered!
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Calculate Your Mortgage Payment
Mortgage Calculator
Wondering how much house you can afford in Oklahoma? Use our mortgage calculator to explore different combinations of loan amount, interest rate, and term to find the most budget-friendly mortgage payment for you.
*Your actual term and payment will be provided upon acceptance of an Allegiance Credit Union loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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Which Mortgage Best Fits You?
Fixed vs. Adjustable Rate Mortgages
With a fixed rate mortgage, the interest rate stays the same for the entire mortgage term creating predictable principal and interest payments over the long term. This is a great loan option if you plan to stay in your home for many years.
An adjustable rate mortgage or "ARM Loan" features an interest rate that may change periodically, usually after an initial fixed period of 3 - 5 years. With initial rates often lower than those of fixed rate mortgages, ARM Loans are best if you plan to move or refinance before the rate adjusts, or if it is difficult to predict whether overall interest rates will rise or fall in the coming years.
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Your Path To Homeownership
ITIN Loans: No SSN? No Problem
With an ITIN Loan (also called ITIN Mortgage), qualified borrowers in the greater Oklahoma City area can access the money they need to buy the home they have always dreamed of based on these factors:
- A current, valid ITIN (Individual Taxpayer Identification Number).
- Proof of consistent income, such as pay stubs, tax returns, or bank statements.
- Evidence of responsible financial behavior.
- Satisfactory credit score.
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Unlock Your Homebuying Power
What is a Mortgage Pre-Approval?
Thinking about buying a home in the Greater Oklahoma City area? Allegiance Credit Union can help you start strong with Mortgage pre-approval. Getting pre-approved helps you estimate approximately how much you can borrow. A seller will be more likely to consider you a serious buyer if you have a preapproval in hand.
Just fill out our mortgage application, and we’ll verify your info and check your credit. If approved, you’ll get a pre-approval letter (an offer to lend a specific amount) that is valid for 90 days. Don't wait! Get pre-approved today!
What Our Members Are Saying
"Always friendly people ready able and willing to help."
Jay S.
"I've been with the credit union 40 years. I've never had a single negative experience. Everybody has always been friendly, courteous and professional."
Kay A.
Additional Resources
How Soon Can You Refinance a Mortgage?
Refinancing a Mortgage can be a strategic move to save money, lower monthly payments, switch loan...
Read More
Credit Union vs Bank Mortgage: 3 Ways Your Choice Impacts Oklahoma
After nurturing that credit score and saving up a down payment, it’s time to realize the American...
Read More
Adjustable Rate Mortgage vs. Fixed Rate Mortgage: The Key Differences
When shopping for a home or investment property, buyers are also responsible for choosing the right...
Read More