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FHA Loan
as low as  5.181% APR1

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

Apply for FHA LoanCalculate Monthly Payment

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


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

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FHA Home Loan Calculator

$0.00 $0.00

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 principal amount.

Detailed Payment Schedule for FHA Home Loan

Month Payment Principal Interest Mortgage Insurance

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.