You can apply for an auto, recrational vehicle, line of credit and a signature loan by clicking here. 

You can apply for a home loan or a home equity line of credit by clicking here. 

To proceed with your loan application, please provide the following documents for each individual involved in the loan:

• Driver's license and Social Security card
• Pay stubs from the past month from your current employer
• If applicable, the current award letter for any retirement, Social Security, or other fixed income
• Tax returns and W-2 forms for the past 2 years
• Bank statements for the past 2 months

1. Preapproval: Even before you start looking at homes, the first step in the mortgage process is getting a preapproval letter from a lender, which provides documentation of how much money you're eligible to borrow. 

2. Home Search: Once you have your preapproval letter, work with your real estate agent to find a home. 

3. Processing: Your Loan officer will then prepare and submit your mortgage application for final review and approval.  You may be asked to provide additional information.  During this time, your appraisal will be ordered for the home you're hoping to buy. 

4. Closing:  The last step in the mortgage process is closing.   This is where you assume ownership, your loan is funded and you get the keys to your new home.  

With a fixed-rate mortgage, your interest rate stays the same for the life of your loan.  With an adjustable rate, your loan begins with a fixed rate for a specified period of time and then adjusts higher or lower based on an index.  

An interest rate is the cost you pay annually to borrow money, expressed as a percentage of your total loan.  In contrast, APR includes the interest rate plus other costs, such as mortgage insurance, discount points and some closing costs and loan origination fees.  

Closing costs can vary depending on the lender but typically include appraisal fees, title insurance fees, attorney fees, prepaid interest, and documentation fees.  You will get estimated closing costs before you close the loan.  

No, you do not need to be a member to apply for a loan; however, you will have to join Ozark Federal Credit Union if you are approved.