Mortgage
Realize the dream of homeownership.
Owning a home is one step toward building a better life. Our mortgage loan options can help you buy, build, or renovate—and our Tribal lending options are extensive.
Home Loans
Home Loans
Buying a home can be daunting—but Chickasaw Community Bank is here to help. Our team walks you through the process step by step, offering the resources you’d expect from a large financial institution with the personal support of a community bank. Our mortgage lending options are diverse. Whether you’re looking to buy, build, refinance, renovate, or access Tribal lending through HUD 184, our mortgage team has experience working with tribal members and communities seeking home financing options in Oklahoma.
We’re here to answer questions and help you understand your options.
For information on deferring your mortgage payment, please call 866-572-7638.
Mortgage Loan Frequently Asked Questions
What is a mortgage loan?
A mortgage loan (sometimes referred to as a home loan), is a type of financing that allows you to buy or refinance a home without paying the full cost upfront. Instead, you repay the loan over time through monthly payments that typically include the principal, interest, taxes, and insurance. Mortgage loans make homeownership more accessible by spreading the cost over a set period of time (known as the term of the loan).
What types of home loans does Chickasaw Community Bank offer?
Chickasaw Community Bank offers a variety of mortgage loan options designed to meet different home financing needs. These include Conventional home loans, FHA loans, VA home loans, USDA loans, and specialized Tribal lending options such as HUD 184 loans.
We also provide options for refinancing a mortgage loan, home improvement loans, construction loans, and home equity solutions like home equity loans and home equity lines of credit. Each loan type has unique benefits depending on your eligibility, financial goals, and property type.
View all of our home loan options here.
What mortgage loan rates and monthly payments should I expect?
Mortgage loan rates and monthly payments can vary based on several factors, including your credit score, loan amount, down payment, loan term, and current market conditions.
Your monthly mortgage payment typically includes principal and interest, and may also include property taxes, homeowners’ insurance, and mortgage insurance depending on your loan type. Understanding how these factors work together can help you better estimate your total home purchase financing costs.
Our mortgage loan officers are prepared to provide step-by-step guidance through the entire mortgage process. To meet our loan officers in person, stop by one of our two Chickasaw Community Bank locations. Or, if you’re ready, start the application process today.
How do I get prequalifed for a mortgage loan?
Mortgage loan prequalification is an important first step in the home buying financing process. During prequalification, a lender reviews your financial information, including income, credit history, debt-to-income ratio, and assets, to determine how much you may qualify to borrow.
Getting prequalified helps you understand your budget, strengthens your offer when buying a home, and shows sellers you are a serious buyer. The mortgage loan application process typically requires documents such as pay stubs, tax returns, and bank statements.
Start the prequalification process here.
What are the benefits of choosing a local mortgage lender in Oklahoma City?
Working with a local mortgage loan lender in Oklahoma City offers important advantages, especially for borrowers navigating unique financing situations. Local lenders understand the regional housing market, property values, and programs available to Oklahoma homebuyers.
Chickasaw Community Bank is uniquely positioned as a tribally owned bank, with deep experience serving Native American individuals, families, and communities. As a leading provider of HUD 184 loans, the bank helps make homeownership more accessible through flexible underwriting, lower down payment options, and financing available on or off tribal land. This expertise allows us to guide borrowers through the mortgage loan application process with clarity and confidence, while providing personalized support rooted in community values.
What should I do if I'm having trouble paying my mortgage?
If you’re having trouble making your monthly mortgage payment, it’s important to reach out as soon as possible to discuss your options. Chickasaw Community Bank is here to help guide you through available solutions based on your situation.
For information on deferring your mortgage payment, please call 866-572-7638.
We will be closed Monday, February 16th in observance of President's Day. Access your account anytime online or through our mobile app.
Chickasaw Community Bank is here to help during the Government Shutdown
To Our Valued Customers,
Our thoughts go out to everyone affected by the government shutdown. We understand this may be a time of uncertainty and hardship, and we want you to know that we’re here for you. If you are impacted by the shutdown, please don’t hesitate to contact us at 1-877-205-5411. Our team is ready to provide personalized support and help you navigate this challenging time.
We’re committed to helping you navigate through this together.
We will close at 3 PM on Tuesday, December 9th. Access your account anytime online or on the mobile app.
Company Headquarters
7500 W Memorial Rd
Oklahoma City, OK 73142
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