APR = Annual Percentage Rate.
Energy One members, enjoy a 0.25% rate discount on an approved and locked in mortgage rate. Offer and terms subject to change. Loans subject to credit and collateral approval as well as program terms and conditions. Payment example, $250,000 financed for 360 months at a fixed rate of 7.827% APR equals a monthly payment of $1,791.03. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to ?% of the retail value of the property is available. Up to 360 months financing available. Certain restrictions apply. For well qualified buyers.

Mortgage Loans

A mortgage loan is typically the biggest financial commitment you can make and it can be an intimidating process, even if you’ve done it before. At Energy One, we want to take the stress out of buying or financing a home so you can focus on the more enjoyable aspects of home ownership. We offer competitive rates and terms so you can find the best fit for you and your family. Please feel free to use our online calculators, review our loan options, and start the prequalification process today at our mortgage loan center.

  • Purchase new property or refinance an existing home loan
  • Flexible terms – 10, 15, 20, or 30-year loans
  • Fixed and adjustable rates available
  • FHA, VA, and Jumbo loans
  • Investment and vacation properties

If you have any questions, please contact our mortgage loan expert to discuss your options. Call 918-699-7100 or 1-800-364-3628 and select option 1 for loans, then 2 for real estate, or email RealEstate@energyone.org.

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Mortgage Checklist

Typically, a large amount of personal information is needed when purchasing or refinancing a home loan. The Energy One mortgage loan resource staff has put together a list that should help you get a head start on providing items that will aid in the process of your mortgage loan. These are the most common items, but in some cases additional items will be required.

  • Salaried members will need copies of the last two pay stubs and W-2s for the previous two years. Please include names, addresses, and phone numbers for the employers if not included on the W-2.
  • Self-employed members will need copies of the last two years’ tax returns. Also, if the business is incorporated, copies of the last two years’ corporate returns and a current profit and loss statement will be needed.
  • Retired members will need copies of a 1098 or 1099 to verify social security and retirement income.
  • Copies of the most recent two months’ bank statements.
  • Copies of quarterly statements for investment accounts such as 401K, stocks, and mutual funds.
  • If rental properties are owned, copies of lease agreements and payment history.
  • If currently renting, the name and address of the current landlord is needed.
  • Insurance agent’s name and number where they can be reached.
  • If this is a home purchase, a copy of the contract is needed.
  • If this is a Texas refinance, a copy of the note is needed.


Fair and Accurate Credit Transactions Act: This legislation will provide consumers, companies, consumer reporting agencies and regulators with important new tools that expand access to credit and other financial services for all Americans, enhance the accuracy of consumers’ financial information and help fight identity theft. These reforms make permanent the uniform national standards of our credit markets, and institute new, strong consumer protection and free credit reports. You are entitled to one free credit report each year from each of the three credit bureaus. If you would like your credit score, each bureau charges a fee for that. There are many websites that claim to offer free credit reports, but the one that was set up by the FACT Act is www.annualcreditreport.com. If you would like to call to request your report, the number is 877-322-8228. If you would like help making sense of your credit report, please contact the loan department at your branch and we will be happy to go over it with you.