Home Loans

Purchasing or Refinancing
First time home buyer? Needing a larger home to accommodate a growing family? Moving to Southern Oklahoma? We may have the right loan to fit your needs.

Construction Loans
Interested in building the home of your dreams? Can’t find the home you want and ready to custom build? We have been assisting Southern Oklahoma borrowers in achieving their home ownership goals for many years. If you have the perfect location and the right house plan, come see us at any of our eight locations.

Home Improvement Loans

Is it time to add on or make major renovations to your existing home? Whether it’s a facelift or a complete home makeover, we have a loan product that’s right for you! We have been assisting Southern Oklahoma borrowers in achieving their home ownership goals for many years. If it’s time to add-on or make those improvements, come see us at any of our eight locations to make your dreams a reality!

Home Equity/Bill Consolidation Loans
Have bills got you down? Are credit cards, student loans and other monthly obligations making it more difficult to make ends meet? If you’re like many people, the equity in your home may offer a solution to your cash flow problems. If you feel using your home equity to extend and combine your monthly obligations might make good sense, come see us.

Competitive rates.
Loan terms to suit your needs.
Loans are generally based on a percentage of the cost or market value of the home you are buying.
Apply now!

Frequently Asked Questions

Question: What do I need to bring to the bank to apply?
Answer: You will need to complete an application. Although we do not accept electronic applications at this time, you can complete the on-line form (click here for the on-line credit application) and bring it into one of our locations with you. We recommend you bring a copy of your tax return. Also, we recommend a copy of the real estate purchase contract, a legal description of the property you are buying, and the abstract on the property that has been recently brought to date. One of our lending specialists will walk you through the process step-by-step.

Question: Will you check my credit and how important is good credit?
Answer: We pull a credit report when you apply for credit. Good credit is an important factor in determining whether we can loan money, but you will need to complete an application before we can pull your credit and give you a loan decision.

Question: How long does it take to make a loan decision?
Answer: This will depend on the type of loan and with new legislation enacted in 2009 these processes will no longer be as streamlined.

For Home Purchase, Refinancing Loans, or Construction Loans, the process takes a few weeks. We have to order an appraisal of the property as if it’s been completed, and the abstract will need to be brought to date and examined by an attorney.

For Home Improvement Loans, the process may take about 3 weeks. We have to order an appraisal of the property as if it’s been completed, and the abstract may need to be brought to-date and examined by an attorney, which could extend the time period. Loan proceeds are generally not dispersed on these types of loans until 3 business days after closing as required by the customer’s Right of Rescission.

For Home Equity Loans, the process may only take a few days. We have to order an appraisal of the property to determine how much equity you have in the home, and the abstract may need to be brought to-date and examined by an attorney, which could extend the time period. Loan proceeds are generally not dispersed on these types of loans until 3 business days after closing as required by the customer’s Right of Rescission.