Login Security
Forgot your password?

Click Here to reset.

Alerts
Find a Branch or ATM
Call Us: (800) 924-4427

Home Loans

Getting a mortgage should fit your life.

At First United, we sit down and really get to know you. We answer your questions and ask some of our own so we can best understand your unique situation. And, unlike most lending companies, we house our underwriting, processing, closing and funding departments all under one roof to simplify and accelerate the mortgage process. The result is a loan that's simple, fast, convenient and specifically tailored to you and your investment.

Apply online today and get the right mortgage from First United.

It's time to spend life wisely.

Apply Online

Start the pre-qualification process online now - it's safe and secure. One of our Mortgage Loan Consultants will contact you soon.

Get Started!

Current Customers

Upload documents, check the status of your loan & view messages from your originator.

Check Loan Status

Access your loan information, make a payment, download tax forms & more.

Customer Care Net

Need Help?

Have questions about mortgages?
Toll Free: (800) 924-4427
mortgages@firstunitedbank.com

Need help with your online account? Get online help

Existing Mortgage Loan Assistance: For information about your existing mortgage you may contact our Loan Servicing Department at (877) 561-0922 or via email to mortgagehelp@firstunitedbank.com.

Contact the First United Bank Mortgage Group

General Questions/Inquiries

Toll Free: (800) 924-4427
or via email

Existing Customers:

Toll Free: (877) 561-0922
or via email

Products

Mortgage Products

Get Prequalified Today!

Call 877-561-0922 x2355 or Get Started Online

Loan Programs

Conventional Loans

Available for purchase or refinance of your home, including cash-out or debt consolidation. The interest rate can be fixed or adjustable, and have several options on repayment terms.

Jumbo Loans

Jumbo loan financing is available for loans exceeding the maximum loan amount established for conventional conforming loans up to $2,000,000.

FHA Loans

FHA loans have been helping people become homeowners since 1934. They are ideal for the first time homebuyer. FHA loans offer low down payment, low interest rates, and easier credit qualifying. Refinance options are available.

VA Loans

VA loans are guaranteed by the U.S. Department of Veterans Affairs. They are available to active, reservist and veterans of the armed forces. The VA determines eligibility and issues a Certificate of Eligibility. VA loans offer low or no down payment and do not require monthly mortgage insurance. VA loans can be used for purchase or refinance.

USDA Loans

Primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. There are no down payment requirements and no monthly mortgage insurance requirements.

Section 184 Native American Loans

The Section 184 Home Loan Guarantee Program is a home mortgage specifically designed for American Indians. Section 184 loans can be used both on and off native lands for new construction, rehabilitation, purchase of an exisiting home, or to refinance.

Special Programs

Oklahoma Housing Finance Authority

This program provides low interest home loans through state bond money. Their most popular type of loan offers down payment and closing cost assistance.

Construction Financing

First United's construction loan program allows interest-only payments to be made on those funds that have been periodically disbursed during the construction process. Your First United Mortgage Loan Specialist can even give you pre-approval on permanent financing before construction begins.

Doctor Loan Program

First United offers Doctors' loans for primary residences with a fixed and ARM rate program. At least one of the borrower(s) must be a physician (a new resident or attending) or a dentist. Proof of medical license is required. See your Mortgage Loan Consultant about the types of medical professional eligibility and terms for this loan.

One-Time Close Construction to Permanent and Renovation Loan Program

This one-time closing loan program is designed to provide borrowers with financing to build, remodel or improve a primary residence. This means that borrowers can move through the steps of construction with peace of mind, knowing their permanent financing needs are already in place.

Rural Enterprises of Oklahoma (REI)

REI is commited to helping Oklahoma's working families become proud homeowners by providing down payment and closing cost assistance with their Market Rate Housing Program.

Tulsa County Bond

Provides down payment assistance to qualified buyers.

First United offers flexible financing terms.

Borrower must meet program guidelines. Guidelines may vary and are subject to change.

Get Started!

Current Customers

Upload documents, check the status of your loan & view messages from your originator.

Check Loan Status

Access your loan information, make a payment, download tax forms & more.

Customer Care Net

Need Help?

Have questions about mortgages?
Toll Free: (800) 924-4427
mortgages@firstunitedbank.com

Need help with your online account? Get online help

Existing Mortgage Loan Assistance: For information about your existing mortgage you may contact our Loan Servicing Department at (877) 561-0922 or via email to mortgagehelp@firstunitedbank.com.

Contact the First United Bank Mortgage Group

General Questions/Inquiries

Toll Free: (800) 924-4427
or via email

Existing Customers:

Toll Free: (877) 561-0922
or via email

Resources & Tools

Get Started!

Current Customers

Upload documents, check the status of your loan & view messages from your originator.

Check Loan Status

Access your loan information, make a payment, download tax forms & more.

Customer Care Net

Need Help?

Have questions about mortgages?
Toll Free: (800) 924-4427
mortgages@firstunitedbank.com

Need help with your online account? Get online help

Existing Mortgage Loan Assistance: For information about your existing mortgage you may contact our Loan Servicing Department at (877) 561-0922 or via email to mortgagehelp@firstunitedbank.com.

Contact the First United Bank Mortgage Group

General Questions/Inquiries

Toll Free: (800) 924-4427
or via email

Existing Customers:

Toll Free: (877) 561-0922
or via email

Mortgage Checklist
Want a head start on the process? You'll need the below documents to get started.
  • Last 30 days paystubs
  • Copy of last year's W-2, or the most recent 2 years for FHA loans
  • Most recent 2 months of bank statements
  • Most recent savings or investment account statement(s)
  • Name and phone number of homeowner's insurance agent, and declaration page
  • Most recent 12 months cancelled rent checks (if applicable)
Already own Real Estate? You'll additionally need:
  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)

Learning Center

Learning Center

Not sure what some of the
Mortgage terms mean?

View the Mortgage Glossary

What's the Process?

Pre-Qualification

With our fast and free loan pre-qualification program you know what you can afford to spend before you look for property. Knowing what you can afford, and why, can make all the difference in getting your new home. With a pre-qualification letter from us in hand, your real estate agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the seller, and may make the difference between the seller accepting your offer or someone else's – even if your offer is lower!

When you've selected a property and have a contract with the seller, you can either complete the pre-qualification form online and one of our loan consultants will contact you to complete the loan process or call one of our loan consultants direct.

At the appropriate time we'll order a property appraisal for you.

Loan Application

You and your loan consultant will work together to complete your loan application. Be sure to bring all the required documents to your appointment, including personal information and information on the property you are planning to purchase. (See our Loan Application Checklist for more details on the documents you'll need to provide.)

Processing

Once your loan application is completed, your loan processor will collect and analyze your documentation so that your loan can be processed and reviewed for approval.

With your initial loan package, you will receive a checklist of the items your processor may need to confirm your information and to get your loan reviewed. In addition, the loan processor will order and review an appraisal of your new home.

Underwriting

An underwriter will analyze the information in your loan packet, review the property, examine your credit, handle your mortgage insurance (if applicable), and assign any loan conditions.

Closing

Once your loan is approved and you are ready for closing, you will need an appointment with your closing agent (typically, a title company).

Your loan closer will give the loan documents to your closing agent and provide you with a list of the items you will need to bring with you, as well as your final closing figures.

Once your appointment with your closing agent has been established, your First United loan closer will work hand in hand with your closing agent to provide you with this information in a timely manner so that you can prepare for the closing of your new home.

Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Mortgage Consultant, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:
  • Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  • Present the homes that suit your needs as you've defined them.
  • Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  • Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!
Count On Your Mortgage Loan Consultant To:
  • Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  • Keep you informed of your loan status throughout the entire process.
  • Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us).
  • Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.
Count On Yourself To:
  • Keep your Real Estate Agent informed of any questions or concerns as they develop.
  • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  • Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  • Make sure you are pre-qualified as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.
  • We work with many reputable Real Estate Agents over Oklahoma and Texas. If you need help finding a real estate agent in an area, just ask us. We would be happy to help you!

Escalation Process

Mortgage Escalation Process

Policy for Borrower Inquiries and Escalated Cases

Purpose

This policy identifies the protocol followed by the Mortgage Servicing Department as it pertains to Borrower Inquiries and Escalated Cases.

Scope

A complaint or dispute from the borrower, the borrower's trusted advisor, housing counselor, federal agency, or elected official that rises to the level of an escalated case includes but is not limited to, the following:

  • Allegations that First United Bank did not evaluate the borrower for foreclosure prevention alternatives or that the borrower was inappropriately denied a foreclosure prevention alternative.
  • Allegations of fraudulent servicing practices;
  • Inappropriate initiation or failure to suspend foreclosure action when deemed necessary by investor regulations, or,
  • Complaints threatening litigation;
  • Violation of FNMA policy time frames for borrower outreach, evaluation, or the time permitted for borrower response.
Procedure
  • Upon receipt from a requestor, First United Bank will document the date the escalated case was received.
  • Within three business days following receipt, First United will acknowledge the inquiry in writing via e-mail, fax, or mail, and provide the requestor and, as applicable, the borrower:
  • Contact name or department;
  • A case reference name or number;
  • A resolution date, or date by which servicer will resolve the escalated case, which must be no more than 15 days from the date of the inquiry was received; and
  • A toll-free escalation contact phone number.
  • Within five business days of identifying the proposed resolution, First United will communicate in writing to the requestor and, as applicable, the borrower, the proposed resolution and next steps, if applicable. First United will retain all written communication of the proposed resolution and all documentation and information received during the review of the escalated case.
  • If First United fails to comply with the requirement to resolve the escalated case by the resolution date, First United will provide an updated status to the requestor, and as applicable, the borrower, on the resolution dates.
  • If First United Bank fails to resolve the escalated case by the resolution date, we may extend the resolution date for an additional 15 days; however, under no circumstances may the total time for resolution of an escalated case exceed 30 days.

All complaints and/or disputes regarding mortgage servicing should be mailed to P.O. Box 1486, Durant, OK 74702, e-mailed to mortgagehelp@firstunitedbank.com, or reported via 1-800-924-4427 Ext 2355.

For more information, please contact Anthony Powell at 1.877-561-0922 x2355.

Get Started!

Current Customers

Upload documents, check the status of your loan & view messages from your originator.

Check Loan Status

Access your loan information, make a payment, download tax forms & more.

Customer Care Net

Need Help?

Have questions about mortgages?
Toll Free: (800) 924-4427
mortgages@firstunitedbank.com

Need help with your online account? Get online help

Existing Mortgage Loan Assistance: For information about your existing mortgage you may contact our Loan Servicing Department at (877) 561-0922 or via email to mortgagehelp@firstunitedbank.com.

Contact the First United Bank Mortgage Group

General Questions/Inquiries

Toll Free: (800) 924-4427
or via email

Existing Customers:

Toll Free: (877) 561-0922
or via email

Specials

Get Started!

Current Customers

Upload documents, check the status of your loan & view messages from your originator.

Check Loan Status

Access your loan information, make a payment, download tax forms & more.

Customer Care Net

Need Help?

Have questions about mortgages?
Toll Free: (800) 924-4427
mortgages@firstunitedbank.com

Need help with your online account? Get online help

Existing Mortgage Loan Assistance: For information about your existing mortgage you may contact our Loan Servicing Department at (877) 561-0922 or via email to mortgagehelp@firstunitedbank.com.

Contact the First United Bank Mortgage Group

General Questions/Inquiries

Toll Free: (800) 924-4427
or via email

Existing Customers:

Toll Free: (877) 561-0922
or via email

Back to top