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      WEOKIE: your one-stop-shop for everything homes!

      From finding the home of your dreams to financing it, closing the loan, and even insuring it... we want to make every step in your home-buying experience as easy and as affordable as possible.

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        From auto loans to refinancing a mortgage, WEOKIE has the resources and tools to create a lending program tailored to your needs. 

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              We are here to help.

              At WEOKIE, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

                Adjustable-Rate Mortgages

                 

                A WEOKIE Adjustable Rate Mortgage offers lower initial rates and monthly payments, so you can save in the short term – ideal if you plan to sell, move, or refinance.

                Apply Now

                See How an Adjustable-Rate Mortgage Can Work for You

                Low Initial Rates and Payments

                Enjoy a lower APR for the first five years of your loan compared to a regular fixed-rate mortgage.

                Achieve Your Short-Term Goals

                Use your fixed period to build equity or boost income – or maybe you'll sell, move, or refinance.

                Rates May Adjust Up or Down

                After your initial period, there are caps on how much your rate can go up – and rates may go down.

                More Borrowing Power

                When your rates and payments are lower, you can afford to borrow more for your dream home.

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                AFFORD YOUR DREAM HOME WITH AN ARM

                An ARM gives you more purchasing power.

                The 5/5 Adjustable Rate Mortgage Offers:


                • Rate adjustments are capped to keep your mortgage affordable.
                • Rate adjustments only occur once every five years on the 10-year, 15-year,  20-year, and 30-year terms*.
                • The maximum increase of just 2% per rate adjustment (lifetime maximum adjustment varies by term)
                • Low down payments
                • Purchase or refinance
                • Flat $750 origination fee.

                We want to be certain that our members have the best opportunity to make informed decisions when it comes to Mortgage Lending.

                To find out if the 5/5 ARM is right for you, contact one of our friendly, knowledgeable Real Estate Specialists at 405-235-3030.

                VIEW ARM LOAN RATES AND OPTIONS

                Not yet a WEOKIE Member? Apply Now

                Current WEOKIE members, apply here

                Details About Adjustable-Rate Mortgages in Oklahoma

                WEOKIE's 30-Year 5/5 Adjustable-Rate Mortgage (ARM) is our most popular loan right now because it offers a far lower starting rate than a regular 30-Year Fixed-Rate Loan.

                • Our 5/5 ARM has an initial rate as low as %* for the first five years of the loan.
                • A 5/5 ARM has a fixed rate for five years, then adjusts every five years.
                • Lower rates mean you can buy a home sooner and build equity faster.
                • Lower monthly payments mean more borrowing power.
                • When rates adjust, they may go up or down with the markets.
                • You may also choose rate adjustments every 5, 10, or 15 years.
                • Our origination fee is only $750.
                • Up to 100% home purchase and 95% cash-out financing are available to our best-qualified borrowers.

                ARMs can be complex, but a WEOKIE mortgage specialist will work closely with you to be sure to understand all the terms and conditions that can impact your payment now and in the future. Enjoy local servicing and expert guidance when you choose WEOKIE as your lender!

                Apply Now

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                What's My Monthly Payment?

                Will the size of your monthly payment pinch your pocketbook? Find out based on our most current daily rates and the amount you want to borrow.

                Our calculator will figure the monthly payment across our variety of loan options. Choose the term that is right for you! It is quick and easy!

                 
                Calculate Mortgage Payment

                See the Simple Steps to Apply for an Adjustable-Rate Mortgage

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                Step 

                1

                Apply Online

                Gather your information and documents then use our simple, secure portal to get started.

                 

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                Step 

                2

                Get Pre-Qualified

                We'll look at your financial situation and offer you a rate for your chosen ARM term.

                 

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                Step 

                3

                Find a Home!

                Go house hunting with your financing ready then we'll help you close and start payments!

                 

                Get Started

                "Weokie FCU is by far one of the best credit unions. I have been with them for a little over a year and plan to be with them for many more years to come. They have so much to offer as far as great loan rates, mortgages, different accounts with some awesome benefits and so much more. I give WEOKIE a 10/10 and would recommend to anyone being a member here! The team is also very friendly and is like a family to me!!"
                Kimberly K., Oklahoma City, OK
                 

                FAQ About Adjustable-Rate Mortgages in Oklahoma

                We are here to help.

                If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

                Let WEOKIE help you find a great mortgage rate!

                One of the hardest parts of buying a property is choosing the right lender. When you approach WEOKIE for a home loan, our experts are with you every step of the way so you can pick the perfect mortgage that fits your budget. We offer a variety of programs to help you find the right property, finance and close a loan, and insure your new home so you don’t have to worry. 

                At WEOKIE, we’re dedicated to providing the best Oklahoma home loan experience possible. That’s why we consistently offer lower rates and fees than competitors, award-winning service, and expert support when you need it. As a local lender, WE are here for you, so you can rest easy knowing that you can call when you need and receive quick, personalized, and local Oklahoma-standard service.

                View Mortgage Rates

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                WEOKIE is proud to provide services through our trusted partners.

                HELOC

                A home equity line of credit gives you a handy source of funds to use as needed and you only pay interest on the portion you use. Ideal for ongoing projects!

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                Personal Loans

                An unsecured personal loan offers fast cash – and you don't need to put your house on the line. Choose from loan terms of 12 to 60 months with fixed rates.

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                VISA Credit Cards

                Boost your purchasing power with our full suite of credit cards to suit every need and lifestyle. Enjoy fraud protections, Cardmember Service, and more.

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                *APR = Annual Percentage Rate. Normal lending policies apply. Some restrictions apply. Initial offering rates as low as 6.125% on the 30 Year 5/5 ARM Loan. The 5/5 ARM adjusts only once every 5 years. Rate is subject to increase or decrease at each adjustment once every five years. Rate adjustments are calculated using an index based on the 5 year US Treasury Index plus a margin of 2.5% then rounded to the nearest 1/8%. The current index is 4.293% as of July 15, 2024. Quoted monthly payments do not include taxes, property insurance, or mortgage insurance. Rate is variable and can increase no more than 2 percentage points every 5 years. Rates over the term of the loan will not fall below the initial floor rate. Rates posted are indications only, not guaranteed and are subject to change without notice. Rates quoted above are for our best qualified applicants. Your actual rate, points, costs and amount borrowed may be different as many factors go into providing you with a mortgage loan. Other products are available that are not listed here. ARM rates are subject to change after loan closing. Insurance and tax escrows are required on all first mortgage loans where the loan to value ratio exceeds 80%. Existing WEOKIE mortgage loans may not be available for promotional benefits. Contact a mortgage loan officer for questions and details. Visit our mortgage page for current APRs and payment samples. Rates and terms are accurate as of , and are subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. FEDERALLY INSURED BY NCUA. NMLS# 442689.

                **The HomeAdvantage® program is made available to you through a relationship between WEOKIE Federal Credit Union and CU Realty Services. Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Homebuyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. WEOKIE may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with a WEOKIE Mortgage representative for details that may affect you. See https://weokie.myhomeadvantage.com/ for more info.