We can help make a house your home!
Mortgages at
USE Federal Credit Union
Donate today & help us reach our $1M goal to preserve the polar bear’s Arctic home.
Polar bears live on the ice-covered waters of the arctic, relying almost entirely on shrinking sea ice for their survival.
KEEP IT LOCAL
GET YOUR MORTGAGE RIGHT HERE AT YOUR CREDIT UNION!
Discover the perfect mortgage solution with USE Federal Credit Union and Member First Mortgage, LLC (MFM) – your trusted local partners for affordable mortgages and exceptional service!
Finding your dream home starts here, with our comprehensive suite of mortgage programs tailored to suit your needs. Whether you're purchasing a new home or refinancing your current one, we're here to support you every step of the way.
Why Choose Us for Your Mortgage Needs?
1. Local Expertise: As a member of the Oklahoma City community, we understand the local housing market and can offer personalized solutions for your unique situation.
2. Low Down Payment Options: We believe homeownership should be accessible to all, which is why we offer low down payment options to help you take that first step towards your dream home.
3. Competitive Rates & Transparent Closing Costs: We value your financial well-being and ensure that you get competitive rates and clear, upfront information about closing costs.
4. Easy Online Application: Our hassle-free online application process makes it convenient for you to apply for a mortgage from the comfort of your home.
5. Expedited Closings: We know time is of the essence when it comes to securing your new home. Count on us to expedite the closing process for a smooth and efficient experience.
When it comes to your mortgage, you can trust the experts at USE Federal Credit Union right here in the OKC metro. Experience the difference of banking with a community-focused credit union.
“I Predict That We Could See Ice-Free Summers onthe North Pole Within a Decade.”
RESOURCES
KNOW WHAT TO EXPECT WHEN YOU GET A MORTGAGE
We know that getting a mortgage is a big decision and we want to make sure that our members have the resources to make the mortgage process as simple as possible. From application to closing, our expert mortgage team will ensure that you stay informed.
Mortgage Calculator
Complete our mortgage application to begin your journey to owning your new home!
34%
0
RAISED
$376,943
OUR GOAL
$1,000,000
John Forsyth, Lead Researcher, The Canadian Polar Insitute
Continue Your Application
Have you already started completing a mortgage application? Finish your application today!
CONTACT US TODAY!
READY TO GET STARTED?
RESOURCES
KNOW WHAT TO EXPECT WHEN YOU GET A MORTGAGE
We know that getting a mortgage is a big decision and we want to make sure that our members have the resources to make the mortgage process as simple as possible. From application to closing, our expert mortgage team will ensure that you stay informed.
Mortgage Calculator
Member First Mortgage
Visit the Member First Mortgage website to learn more about our mortgage partner and for more mortgage resources.
Find Out More About Loan Products
If you'd like to learn more about individual loan products to figure out which one is right for you, visit MFM's Loan Product page on their website.
Continue Your Application
Have you already started completing a mortgage application? Finish your application today!
* This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (‘MFM’) (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of US Employees OC Federal Credit Union (4301 S Interstate 44 Service Road, Oklahoma City, OK 73119 | (405) 685-6200 | NMLS ID: 466435). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
If you have questions about your specific situation, contact a member of our mortgage team today:
Mortgage Processing Manager
Mortgage Loan Originator
We can help make a house your home!
Mortgages at
USE Federal Credit Union
MORTGAGE OPTIONS
Choose a mortgage option that fits your scenario.
I want a competitive rate and payment
Adjustable-Rate Mortgages help you keep your buying power.
I am a First-Time Homebuyer
Our First Time Homebuyer programs with special features and benefits may be the perfect option for you.
I want a standard mortgage with consistant payments
Ideal for home purchases and home refinances. Multiple fixed-rate mortgage terms available.
I want a low down payment mortgage
Ideal for buyers with lower credit or restricted income. Choose from multiple fixed-rate options.
I am in the military or a veteran
Fewer credit requirements with low to no down payment options available.
Choose a mortgage option that fits your scenario.
MORTGAGE OPTIONS
Adjustable-Rate Mortgages help you keep your buying power.
I want a competitive rate and payment
Our First Time Homebuyer programs with special features and benefits may be the perfect option for you.
I am a First-Time Homebuyer
I want a low down payment mortgage
Ideal for buyers with lower credit or restricted income. Choose from multiple fixed-rate options.
I want a standard mortgage with less paperwork
Ideal for home purchases and home refinances. Multiple fixed-rate mortgage terms available..
I am in the military or a veteran
Fewer credit requirements with low to no down payment options available.
Learn more with our Homebuying Guide
Discover everything you need to know about finding, buying and financing a place you’ll love – with a payment you can afford.
Mortgage Loan Originator
Mortgage Sales Manager
TAKE ADVANTAGE OF OUR COMPETITIVE RATES!
Now may be the perfect time to purchase the home of your dreams or refinance your current mortgage to save money!
We can help make a house your home!
Mortgages at
USE Federal Credit Union
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ADJUSTABLE-RATE MORTGAGE LOANS
DISCOVER HOW AN ADJUSTABLE-RATE MORTGAGE CAN BENEFIT YOU
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Low Initial Rates and Payments
Rates May Adjust Up or Down
Take advantage of a lower APR for the first five years of your loan.
After your initial period, your rate may increase or decrease, but there are caps on how much it can rise.
MAKE YOUR DREAM HOME A REALITY WITH AN ARM
The 5/1 Adjustable-Rate Mortgage Offers:
• Initial Rate: Enjoy a low initial rate for the first five years of the loan.
• Rate Caps: Rate adjustments are capped to keep your mortgage affordable.
• Adjustment Frequency: Rates adjust once every year after the first 5-years.
• Rate Increases: Maximum increase of just 2% per adjustment with a lifetime maximum adjustment cap of 6%.
• Additional Benefits: Options for purchase or refinance, and a flat $850 origination fee.
We are committed to helping our members make informed decisions about mortgage lending.
To determine if the 5/1 ARM is right for you, reach out to one of our friendly, knowledgeable Mortgage Loan Officers at 405.685.6200.
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Achieve Your Short-Term Goals
Utilize your fixed period to build equity or increase your income. You might even decide to sell, move, or refinance during this time.
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Rates May Adjust Up or Down
After your initial period, your rate may increase or decrease, but there are caps on how much it can rise.
✔
Achieve Your Short-Term Goals
Utilize your fixed period to build equity or increase your income. You might even decide to sell, move, or refinance during this time.
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Take advantage of a lower APR for the first five years of your loan.
Low Initial Rates and Payments
Buy. Sell. Save.
with HomeAdvantage®
We’ve partnered with HomeAdvantage® to provide an easier way to purchase and sell your home. From finding the home of your dreams to financing it, we want to help make every step of your home-buying experience as easy and affordable as possible.
