Mortgage Loans & Refinancing

Get pre-qualified online and save time. If you are ready to make the move to your dream house, CFCU is here to help. Our qualified staff can guide you through the mortgage process and find you a great rate so you can shop for your dream home with confidence.

Ranked the #1 Credit Union in Oklahoma by Forbes for 2020-2021

As a result of current mortgage rates, our real estate lending team is experiencing high application volume. We will contact you with any questions and process your application as soon as possible.

Conventional Loans

Benefits of a CFCU Mortgage:

  • Personalized Service with Your Trusted Credit Union
  • Fast Approval Process
  • Low Closing Costs
  • In-House Processing and Funding

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.

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

VA Mortgage 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.

Best Credit Union in Oklahoma in Member Value

Applying Online is as Easy as 1-2-3


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.


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.


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.

Want to Estimate Payments? »

Check out our Online Loan Calculators!

Saving for a Home? »

We have a number of great Savings Options!

Ready to Apply? »

It’s easy to Apply for a Mortgage Online!

Benefits of a Mortgage from CFCU

Great Rates

Low Closing Costs

Trusted Service

In-House Processing


* APR= Annual Percentage Rate
** With the exception of cash-out refinances, the VA Funding Fee can be financed beyond 100% loan-to-value.