Mortgage access within digital banking will be unavailable Tuesday, March 2, beginning at 7pm CST for scheduled maintenance and lasting up to three hours. We apologize for any inconvenience this may cause.

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FHA Loans

Insured by the Federal Housing Administration (FHA)

An FHA Loan could open a door to home ownership

Now, get your fixed-rate FHA loan with the Truity lenders you trust. Home loans insured by the Federal Housing Administration (FHA) can make it easier to qualify for home ownership.

FHA loans are great for first-time buyers and those with less-than-perfect credit. They offer:

  • Low down payment; minimum is 3.5%, which may be gifted
  • Low closing costs; seller can pay up to 6% of closing costs
  • Competitive rates with flexible terms
  • Local processing and closing; serviced by a credit union partner
  • Financing is available for properties up to 20 acres; must be owner-occupied

If you are unsure about which type of mortgage you need, contact one of our mortgage lenders before applying.

Sounds great! What's the catch?

Because an FHA loan is less stringent on credit standards and loan-to-value than a conventional loan, there are other factors to consider. The Mortgage Insurance is paid up front, but it can be rolled into your loan. Your monthly payment will be determined by the amount you borrow (which can include the upfront Mortgage Insurance) and the length of the loan.

Truity also offers VA loans. Ask your mortgage expert for details.

FHA Loan

Ideal for first-time homebuyers seeking a low down payment

Contact Us

Lower Down Payment
Insured by the Federal Housing Administration (FHA)


We can help!

To find out if an FHA loan is right for you, contact one of our regional mortgage officers.

Andrew Harris
NMLS #645896

Regional Mortgage Officer

Becki Gailey
NMLS #993347

Bartlesville Mortgage Officer

Geoff Strole
NMLS #645897

Lawrence 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.