Mortgage Loans

30 Year Fixed as Low As 6.875% APR* ⓘ Click for Details

Make your dream home a reality with Communication Federal Credit Union. Whether you’re buying your first house, upgrading to your forever home, or refinancing to save money, our experienced mortgage team is here to guide you every step of the way.

Mortgage Loans
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Mortgage Loans

A Mortgage Lender You Can Trust

If you are ready to make the move to your dream house, CFCU is here to help. Our home loan experts can guide you through the mortgage process and find you a great rate so you can shop for your dream home with confidence.

  • Fast and Easy Application Process
  • Low Closing Costs
  • Friendly, Personalized Service
  • In-House Processing and Funding

Get Pre-Approved Online & Save Time

Getting pre-approved for a home loan helps you plan your budget and puts you in a better position to make an offer. Visit our online mortgage center to get started or learn more about the pre-approval and home buying process.

See What's Needed to Apply

Conventional Fixed-Rate Mortgages

A conventional fixed-rate mortgage has a fixed interest rate that will remain the same for the life of the loan. While most homebuyers purchasing with a conventional mortgage make larger down payments, it’s not necessary to make a 20% down payment.

  • Enjoy a Fixed Interest Rate for the Life of the Loan
  • Multiple Repayment Terms Available
  • Low Down Payment Options Available
  • Private Mortgage Insurance not Required with 20% Equity

First-Time Homebuyer Program

Our First-Time Homebuyer Program makes it easier to get into a home with little to no upfront cost. Qualified buyers can take advantage of no down payment required and competitive rates—helping you move forward with confidence. This program is available to first-time homebuyers, or those who have not owned a home in the last 3 years and requires a minimum 680 credit score.

  • No Down Payment Required
  • Standard 30-Year Mortgage Rates Available
  • Gift Funds from Eligible Sources May Be Used

Mortgage Refinancing

Refinancing your current mortgage can provide better rates, lower payments or shorter terms. You can also get cash out of your home to consolidate debt or pay off bills. Let Communication Federal Credit Union help you trade in your current home loan to one that best suits your needs.

  • Take Advantage of Low Interest Rates
  • Multiple Refinance Terms Available
  • Cash-Out Refinancing Available

FHA Loans

FHA loans are insured by the Federal Housing Administration and especially popular with first-time home buyers because they allow down payments of as little as 3.5% and can be more forgiving for borrowers with below-average credit scores.

  • Down Payment as Low as 3.5%
  • May Allow for Lower Credit Scores than Conventional Loans
  • Popular with First Time Homebuyers

Apply today or speak to a CFCU Mortgage Loan Officer to see if an FHA loan is the right choice for you.

VA Loans

Communication Federal Credit Union takes pride in helping active military, veterans and eligible spouses who have served our country purchase or refinance homes. Our VA loan program offers up to 100% financing*. These loans are also guaranteed by the Veteran’s Administration and don’t require mortgage insurance, which can save a substantial amount for those who qualify.

Qualification is often more flexible than with a traditional mortgage. VA loans have competitive rates and high limits on borrowing amount, so they are attractive to anyone who qualifies, not just first-time buyers.

  • Up to 100% Financing
  • No Private Mortgage Insurance Requirement
  • Better Interest Rates
  • No Prepayment Penalties

Applying Online is as Easy as 1-2-3

1 - Fill Out Your Application

We’ll ask you questions about your personal finances and the home. You’ll probably know all the answers off the top of your head.

The application is broken down into sections and you can track your progress through each section at the top of each screen. It should take less than 20 minutes to complete the application.

If you don’t have time to complete the application right now or if you need to gather information before you finish, we’ll save the information you have completed. When you’re ready to finish, return to the site and enter your User ID and password to continue.

2 - Online Pre-Approval

When you have completed the application, click submit and your information will be reviewed for approval. We’ll be in touch with you as soon as possible.

In addition to the information you entered, we will review your credit report and credit score to determine your eligibility.

Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a customer.

3 - Personal Service

Once your application has been processed, a Communication Federal Credit Union Mortgage Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Mortgage Loan Officers are only a phone call away if you need help. Contact us at 405.879.5654 or 800.522.3535.
Apply Online

Mortgage Loan Calculator

Mortgage Calculator

Estimate your monthly mortgage payment with Communication Federal Credit Union’s home loan calculator. Compare conventional, FHA, and VA mortgage options and see the principal-and-interest payment for your home price, down payment, and term.

This calculator provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates. Rates shown are for illustrative purposes; your actual rate, APR, and points are determined at application. Payments shown are principal and interest only and do not include taxes, homeowners insurance, private mortgage insurance (PMI), or escrow. This is not an offer or approval of credit. Communication Federal Credit Union is an Equal Housing Lender. NMLS# 403254.

Today's Mortgage Rates

Product Rate Points APR*
Conventional 30 Year Fixed 6.875% 0.000% 7.455%
Conventional 15 Year Fixed 6.375% 0.000% 6.689%
FHA 30 Year Fixed 6.250% 0.000% 6.963%
VA 30 Year Fixed 6.500% 0.000% 6.706%

Rates as of July 24, 2026 4:34PM CDT. Select a rate or APR for assumptions and payment details.

Please note that rates and fees are subject to change without notice. All offers subject to credit union approval.

Curious about the equity already in your home and how it can help?

Take the next step toward your homeownership dreams.

Apply Online
Call 405.879.5654

Already have a CFCU loan? Make a payment or see if you qualify to skip a payment!

* With the exception of cash-out refinances, the VA Funding Fee can be financed beyond 100% loan-to-value. All offers subject to credit union approval.