Home Loans

Getting Started

Ready to make the move?

Whether you are a 1st-time home buyer or an experienced owner, we have a loan to fit your unique needs. Before you get started on your new adventure, let’s make sure you are ready for what is to come!

Know Your Credit Score. The higher your credit score, the lower your monthly payments.

Debt-To-Income Ratio. Calculate your mortgage payment for the intended price range along with taxes, insurance & utilities. Is it financially comfortable?

Pre-Qualification. Come see us at Quail Creek Bank to discuss your loan options and pre-qualification.

Purchase or Refinance

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Need financing for your home? Let Quail Creek Bank help! Whether you're buying your first home, refinancing your existing mortgage, or building a home, we have excellent financing options available to meet your needs. Use one of our financial calculators to review your options - how much you can afford, monthly payments, fixed vs. adjustable rates, and much more.

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Planning to build your dream home? Let us finance your brand new home! We offer competitive rates during the construction phase and can roll your temporary construction financing into a permanent mortgage upon completion. We would love to be a part of establishing your new home!

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Home Equity Line of Credit

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Every time you make a mortgage payment, you add to the equity in your home. Home equity is the difference between your home's fair market value and the outstanding balance of all liens on the property. The equity in your home can now be accessed by one of Quail Creek Bank's Home Equity Loan Products!* You can borrow up to 75% of the equity in your primary residence with Quail Creek Bank's Home Equity Loan or up to 75% of your equity with the Equity Line of Credit! Your home equity loan proceeds may be used for any worthwhile purpose such as purchasing a new or used car, making home improvements, making investments or taking a well-deserved vacation. As an added benefit, the interest on your loan may also be tax deductible, so make sure to check with your tax advisor.

Quail Creek Bank's Home Equity Line of Credit* provides you with cash to use however you wish, whenever you like. With the flexibility of an Equity Line, you can access your home equity when the need arises—without having to reapply for a loan. You can activate your Equity Line by telephone, by written request or in person...and deposits will be made directly into your Quail Creek Bank transaction account. If you choose to pay down on the principal of your Equity Line, you can reuse the available credit again and again.

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Home Equity Loan

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Quail Creek Bank's Home Equity Loan* provides you with a credit line based on the amount of equity in your home. The loan can be customized to meet your monthly payment needs. The equity in your home can be accessed to make necessary one-time major purchases. The payments may be set on any term up to a fifteen year amortization period**. Your loan payments can be automatically deducted from your Quail Creek Bank account.

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To apply for any of these Home Loans, call one of our loan officers here in Oklahoma City at (405)755-1000 or fill out the application online!

All loans are subject to credit approval.

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