Knowing where to start with buying or refinancing a home can be confusing. With OU Credit Union, we're here for you throughout every step. Start by applying for a mortgage online in our mortgage center, on the OU Credit Union Mobile app, or at a branch. Next, you'll be assigned a mortgage officer who will let you know your preapproval information, as well as help answer any questions you may have about the process. Once you're preapproved, enjoy searching for your new home with the assurance that your interest rate is locked in for 90 days. Choose from many options for your loan, including down payments as low as 3%, flexible terms ranging from 10 to 30 years, variable, or fixed rate mortgages, and more. Whether you're buying your first home, moving somewhere new, or refinancing your existing home loan, OU Credit Union is here for you with knowledgeable experts, options, and more.