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Truity Credit Union

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Mortgage Rates & Loan Options

Get the home you want at a reasonable rate

Whether purchasing, refinancing or making improvements, Truity specialists will help you with your home ownership goals.

Truity's home loan options:
  • Conventional Mortgages
  • Mortgage Refinances
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Home Equity Loans
  • Home Equity Lines of Credit
  • Construction Loans
We offer new home loans, refinancing, home equity loans, and home equity lines of credit, all with great rates.

Conventional Home Loans
as low as


15 Year Fixed APR/WAC1

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NMLS #619450

VA, USDA and FHA first time home buyer programs offer $0 down / low down payments, low interest rates and relaxed credit standards.

FHA Loans

Ideal for first-time homebuyers seeking a low down payment

VA Loans

A mortgage loan for qualified military members.

USDA Loans

Zero-down-payment mortgages for low-income rural and suburban homebuyers.

Need help with an FHA, VA, or USDA Loan? Contact Us

NMLS #619450

Home Refinance as low as


15 Year Fixed APR/WAC1

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NMLS #619450

Home Equity Loans

This is a fixed rate loan. $5,000 minimum loan amount with 60 month term, up to 90% Loan to Value (LTV). Fixed rates do not apply to all states. Appraisals are required. Please check rates for payment terms, closing costs and availability for your area. Adequate property insurance must be maintained. Rates available depending on desired term and LTV. For Texas homeowners, the minimum loan is $10,000 and the maximum LTV is 80%. A minimum balance ($25) share savings account is required to maintain membership in the Credit Union. Consult your tax advisor to see if your interest is eligible for a tax deduction.

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NMLS #619450

Home Equity Line as low as



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NMLS #619450

Relocation Home Loans
as low as


15 Year Fixed APR/WAC1

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NMLS #619450

Serving up unsurpassed experiences

“I have to say this is the single most pleasant experience I’ve had with a financial institution in the 20 years I’ve had to work with them, business or otherwise. I am telling everyone I talk to how great Truity and the people there have been to us.”

Jean V.

Real People Helping You

Meet our regional mortgage officers.

They are our very own super friendly mortgage experts! Go ahead, ask them anything!

Andrew Harris
NMLS #645896

Regional Mortgage Officer

Becki Gailey
NMLS #993347

Bartlesville Mortgage Officer

Geoff Strole
NMLS #645897

Lawrence Mortgage Officer

Patti Dodrill
NMLS #1086166

Springdale Mortgage Officer


1. All rates shown are based on a 30-day lock on a primary residence for members with excellent credit. Annual Percentage Rates (APRs) for Conventional loans are based on an 75% Loan to Value (LTV), $75,000.00 loan amount. Rates and points are subject to change without notice and may differ as many factors go into providing a mortgage loan.

  • We do not allow you to lock your interest rate online. A Loan Officer will contact you to lock your rate after you submit your application and pay your application deposit.
  • The actual interest rate offered and Annual Percentage Rate (APR) is based on your credit history, product, loan term and the percentage of remaining equity in your home, and may be different than the rate displayed here. The rates shown on this page are for borrowers with excellent credit and are subject to change without notice.
  • You should always consult a tax advisor about deductibility.
  • Adequate homeowner's insurance coverage is a requirement for this loan.
Equal Housing LenderWe do business in accordance with the federal Fair Housing Law and the Equal Credit Opportunity Act.

Routing Number: 303184652


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© 2021. Truity Credit Union is federally insured by the NCUA.