Real Estate Loans

At Southwest Oklahoma FCU, we’re able to offer a full range of mortgage products thanks to a partnership with Centennial Lending.  Centennial Lending is a Credit Union Service Organization that is fully owned and operated by Credit Unions. To apply for a mortgage, check current rates or for more information contact the loan department at or call (580)353-0490.

Some of the mortgage products we offer include:

    • Conventional, FHA and VA
    • Fixed & adjustable rates
    • Interest only
    • 10, 15, 20, 30, & 40 year terms
    • Loans for land and lots
    • Construction loans
    • Reverse mortgage

 Additional resources:



Click here to submit your mortgage application to Centennial Lending.


Home Equity Loans

At SWOFCU we offer fixed rate home equity loans with competitive rates and terms.

Rates are subject to change at any time.  Please contact our loan department for today’s rates.

Additional resources:



*For your personal security, when contacting us via email, do not include any confidential information, such as your account number, social security number, PIN, password, etc. A secure, encrypted message feature is available through our Home Banking by selecting Contact Us. You may also contact us directly at  (580) 353-0490 or toll free (866)353-0490 to speak with a Member Service Representative.


Instructions for completing a uniform residential loan application

Mortgage Application Primary Borrower

Mortgage Application Additional Borrower

Mortgage Application Continuation Sheet

Mortgage Application Unmarried Addendum

Authorization Forms

Payment Preference Form



Home Equity and Mobile Home Loan Rates


Home Equity Loan Rates

Rates are subject to change at any time.  Please contact our loan department for today’s rates.


Mobile Homes

Rate as low as:Rate as high as:
New mobile homes (up to 72 months)11.50% APR16.00% APR
Pre-owned mobile homes (up to 60 months)13.50% APR18.00% APR

Effective Date: Jan. 16, 2024

Rates are subject to change without notice.  Rates do not apply to existing credit union loans.  For Risk Based Pricing the Annual Percentage Rate you receive will be within the range disclosed above and is based on your credit worthiness.  All loans are subject to approval.


Mortgage Calculators

How much home can I afford?

Should I refinance my home?

Should I make extra payments on my mortgage?

How much of a down payment should I make on my new home?

Mortgage Payment Calculator

Comparing Mortgages (i.e. 15, 20, 30 years).

What is the Loan to Value Ratio of my home?

Should I pay discount points?

The accuracy of these calculators and their applicability to your circumstances are not guaranteed.  Results should be discussed with a qualified professional before any product purchases or loan commitments are made.