Our Home Loan Process.

Our home loan PROCESS


Apply online, on location, by phone or with one of our local reps. We’ll review your application and run a quick credit check. Getting pre-approved before you find a house assures sellers you’re a qualified buyer.

Find Your Home

It's time to get started on finding  your dream home! Send us your signed contract and we’ll lock in your rate. You’ll be assigned your very own Mortgage Loan Officer for your needs. 

Information Gathering

We’ll give you documents like our Good Faith Estimate and Mortgage Lending disclosures. You’ll give us things like paystubs, tax documents and other necessary papers. We’ll put it all together into one nice package and order an appraisal for your new house.

Local Underwriting

Underwriting is an important ingredient in the loan process. Our local lending team dives into all the documents to make sure everything is correct. This helps avoid any kinks before closing. Next, we get to be the first to tell you, your loan is approved and you are one step closer to moving in!

Closing Time

You and your personal rep will get together to schedule your closing. If you can’t be at the closing, you can make arrangements with your rep. Truity members can fund closing costs from their account, no need for a money order! Sweet! You’re a new home owner. Congratulations!

Additional Services

Need new furniture for your new place? We can help! We have low rate VISA® Credit Cards – earn cash back points at Lowes®, Sears®, Home Depot® and more!
Need insurance? We can help! We offer members special rates through Travelers Insurance.

THe Home Loan Process Simplified 

Get Prequalified

Within 3 Business Days

Close Your Loan

Within 30-45 days

Award-Winning Service

Serving members over 75 years

Apply Now or Check Rates

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.

Calculate How Much You Could Save

3.000 2.500 2.500


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