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Conventional Home Loans
as low as  4.363% APR1

Your home is a big decision and the mortgage you choose can have a big impact on your comfort in that home for years to come. We'll help you find the right mortgage for you and your unique needs. Talk with one of our mortgage experts or apply online today.

Conventional Home Loans offer:

  • Low closing costs
  • Competitive fixed and adjustable rates with flexible terms
  • Mortgage insurance premium (MIP) is not required; private mortgage insurance (PMI) is required only with less than 20% down and will automatically drop off when 22% of the loan is paid
  • Financing is available for non owner-occupied homes
  • 25-day closing guarantee!

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Home Loan Calculator

Amount Financed Monthly Payment Total Amount Paid* Total Interest Paid* Interest Rate Term in Years
 (minus optional taxes & insurance)
*This assumes that you do not refinance and do not prepay any principle amount.

Detailed Payment Schedule for Home Loan

Month Payment Principle Interest Balance

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

Regional Mortgage Officer

Becki Gailey

Bartlesville Mortgage Officer

Geoff Strole

Lawrence Mortgage Officer

Patti Dodrill

Springdale Mortgage Officer


1. All rate quotes are based on a 30 day lock on a primary residence for members with excellent credit in Bartlesville, OK. Annual Percentage Rates (APRs) for Conventional loans are based on an 80% LTV, $80,000.00 loan, FHA loans are based on a 96.5% LTV, $96,500.00 loan, and VA loans are based on a 100% LTV, $100,000.00 loan. Rates and points are subject to change without notice. This information was not compiled in accordance with regulations governing advertising and is not intended for public dissemination. Truity CU is an Equal Housing Lender.

  • The rates shown are for borrowers with excellent credit. 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 interest rates and annual percentage rate (APRs) shown above are subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term and the percentage of remaining equity in your home.
  • Your APR will vary based on your final loan amount and actual finance charges.
  • Consult your tax advisor about deductibility.
  • Adequate homeowner's insurance coverage is a requirement for this loan.

Annual Percentage Rate/With Approved Credit. Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.