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Truity Credit Union 3-18-2026 · One on One With a Professional

• 0:16
  Speaker 1: And good morning, welcome to one on one with a
• 0:20
  Speaker 1: professional Nathan Tomson here pushing all the wrong buttons all
• 0:24
  Speaker 1: over the place for today, and of course it has
• 0:29
  Speaker 1: to be my interview premiere with Becky Gaily at Truity
• 0:33
  Speaker 1: Credit Union where I push all the wrong buttons and
• 0:36
  Speaker 1: all that great stuff.
• 0:37
  Speaker 2: It's okay, it's spring break, you know.
• 0:39
  Speaker 1: My brain is on spring break.
• 0:41
  Speaker 2: Yes, the weather is getting nicer, so we should be outside.
• 0:45
  Speaker 1: We should be outside, and it's not very warm here
• 0:49
  Speaker 1: in the studios fifty two degrees outside. It feels like
• 0:50
  Speaker 1: it's about forty two here in the studio today. But Becky,
• 0:55
  Speaker 1: you are the senior mortgage development Officer for Truity Credit Union,
• 0:59
  Speaker 1: and you guys do such a great job. I've been
• 1:02
  Speaker 1: a member of Truity since nineteen seventy seven nine sixty
• 1:07
  Speaker 1: six Federal Credit Union back in the day, and my
• 1:12
  Speaker 1: family started that little savings account for me right after
• 1:16
  Speaker 1: I was born. I love it, and it's been a
• 1:19
  Speaker 1: lifelong fan of all things Truity, even through the multiple
• 1:23
  Speaker 1: name changes and all of those different things. So again,
• 1:27
  Speaker 1: you know, Trudy is a great it's very well known
• 1:31
  Speaker 1: here in Bartlesville, and you know, you really kind of
• 1:36
  Speaker 1: are a one stop shop for all things financial, right.
• 1:40
  Speaker 2: Yeah. I love Truity just because most everybody that works
• 1:45
  Speaker 2: there lives here, lives close by. We're all active in
• 1:49
  Speaker 2: the community. We were just we just had a meeting
• 1:52
  Speaker 2: this morning and through the credit union wide, so all
• 1:56
  Speaker 2: of our branches, just in the month of February, our
• 1:59
  Speaker 2: employeoyees volunteered over one hundred hours in the community, which
• 2:04
  Speaker 2: I think is special that all of us, I mean, Kansas, Houston,
• 2:09
  Speaker 2: Bartlesville were all active in the community. It's important.
• 2:12
  Speaker 1: It really is important. And one thing that since since
• 2:16
  Speaker 1: you're founding, was it the nineteen fifties, is that right
• 2:19
  Speaker 1: before then, I think something like that. We're there whenever
• 2:23
  Speaker 1: a group of Phillips patroying company ladies came together, yes,
• 2:28
  Speaker 1: and made the decision to help out with a low
• 2:33
  Speaker 1: interest of financial services and that type of thing, and
• 2:36
  Speaker 1: just having a home grown financial institution that still to
• 2:42
  Speaker 1: this day takes care of members decades later. I mean,
• 2:47
  Speaker 1: just the legacy that Truity has here in this community.
• 2:51
  Speaker 2: Yeah, and just to take it to mortgages because that's
• 2:55
  Speaker 2: what I do. It's special too because with Truity, you
• 3:00
  Speaker 2: get your loan here like underwriters processing, all of it
• 3:04
  Speaker 2: is here in house. We're all on the same floor
• 3:07
  Speaker 2: in Bartlesville. We all work together, and so I just
• 3:10
  Speaker 2: think it makes the mortgage process more seamless and easier.
• 3:15
  Speaker 2: And you know, we're not like checkbox underwriters. You know,
• 3:19
  Speaker 2: we can we are common sense underwriters. You know, if
• 3:22
  Speaker 2: it makes sense, then we can do it. And also
• 3:25
  Speaker 2: after closing, so we retain the servicing. And what that
• 3:29
  Speaker 2: means is that you're always going to make your payments
• 3:31
  Speaker 2: to Truity. If you have questions about your mortgage, you're
• 3:35
  Speaker 2: always going to talk to somebody at Truity always.
• 3:38
  Speaker 1: You know, And that's that's an important distinction because you know,
• 3:42
  Speaker 1: you see all these things. Of course I'm not going
• 3:44
  Speaker 1: to name any you know, national competitors or anything like that,
• 3:47
  Speaker 1: but you know, easy do it all online. You know
• 3:51
  Speaker 1: that good stuff. And I mean that's fine. It makes
• 3:53
  Speaker 1: it makes it quick and easy to get a yes
• 3:56
  Speaker 1: or a no. And but you know, I think what
• 3:59
  Speaker 1: what what I'm attracted to more so is that relationship
• 4:05
  Speaker 1: that you're able to build with your banker, with your lender.
• 4:09
  Speaker 1: I mean, you are, you're involved in this community. You know,
• 4:12
  Speaker 1: an hours of community service that you were just talking about.
• 4:16
  Speaker 1: You're involved in the community, your kids are going to
• 4:19
  Speaker 1: school and in churches together. I mean, we really are.
• 4:26
  Speaker 1: I think it brings a better aspect of service. Yeah,
• 4:30
  Speaker 1: to those customers as well.
• 4:32
  Speaker 2: And trust. Yeah, whenever you see them in the community,
• 4:36
  Speaker 2: when you're eating at the restaurant next to them, you know,
• 4:38
  Speaker 2: it's like, oh, yeah, that's Becky. I just saw her
• 4:41
  Speaker 2: and she's taking care of my mortgage or my account
• 4:44
  Speaker 2: or whatever. It's just it's another level of trust in
• 4:48
  Speaker 2: this untrustworthy world we have.
• 4:51
  Speaker 1: That is very true. Again, we're talking with Becky Gaily,
• 4:54
  Speaker 1: Senior Mortgage and Development Offices there for Truity Credit Union
• 4:57
  Speaker 1: right here in town now, Becky. Right now, interest rates
• 5:03
  Speaker 1: have been kind of in flux and ye kind of
• 5:06
  Speaker 1: kind of all over the place definitely. So what what
• 5:11
  Speaker 1: are the are the best types of mortgage services that
• 5:15
  Speaker 1: you could be doing. It's now a time to get
• 5:17
  Speaker 1: into a new mortgage. Is now a time to refine
• 5:21
  Speaker 1: or just really keep a service that you have right now?
• 5:25
  Speaker 2: Yeah, I mean it's always a good time to invest
• 5:28
  Speaker 2: in real estate. Rates are still low. They are kind
• 5:32
  Speaker 2: of fluctuating with everything that's going on, but it's still
• 5:36
  Speaker 2: a good time to buy home always. I would never
• 5:39
  Speaker 2: shy away from that, of course, if it makes sense,
• 5:42
  Speaker 2: you know, but that's when you have your conversation with
• 5:45
  Speaker 2: your lender and the same with So the grass is
• 5:48
  Speaker 2: turning green right now, so it's warming up and all
• 5:51
  Speaker 2: the spring projects are getting high on your priority list,
• 5:55
  Speaker 2: So it might be good to talk about a home
• 5:57
  Speaker 2: equity line of credit or he lock that might be
• 6:00
  Speaker 2: something that would work for you, or even refinancing. I
• 6:04
  Speaker 2: don't mean it just depends if refinancing is the right time.
• 6:08
  Speaker 2: That would be a conversation that we could have to
• 6:11
  Speaker 2: go through all the numbers and sure.
• 6:12
  Speaker 1: Yeah, and first time home buyers, I know a lot
• 6:15
  Speaker 1: of the time they get so nervous about about making this,
• 6:20
  Speaker 1: you know, huge investment in their future. You know, what
• 6:27
  Speaker 1: kind of advice would you give if I were to
• 6:30
  Speaker 1: come into your office Becky and say, I am I'm nervous.
• 6:33
  Speaker 1: I know I kind of want a home, but what
• 6:37
  Speaker 1: do I need? You know, that one on one service
• 6:40
  Speaker 1: that you guys are able to offer. What would you
• 6:43
  Speaker 1: say to a first time homeowner or a first time borrower.
• 6:47
  Speaker 2: Yeah, I would always encourage to use a local lender.
• 6:51
  Speaker 2: Always don't ever go to the online lenders because you
• 6:55
  Speaker 2: don't know them, and I don't know. I guess it
• 6:59
  Speaker 2: just makes it easier for me when you can see
• 7:01
  Speaker 2: them and talk to them on their cell phone in
• 7:04
  Speaker 2: the evenings, you know, and when there's so much information
• 7:09
  Speaker 2: around mortgage leans and it can get overwhelming. But if
• 7:12
  Speaker 2: you talk to somebody locally that can sit down with
• 7:15
  Speaker 2: you and explain the process and talk about what's right
• 7:19
  Speaker 2: for you, it makes it so much better. Just having
• 7:23
  Speaker 2: a conversation is your first step to see the down
• 7:28
  Speaker 2: payment requirements and your credit score and your debt ratios
• 7:31
  Speaker 2: and all of that the main things having an initial
• 7:35
  Speaker 2: conversation instead of just googling what do I need to
• 7:39
  Speaker 2: buy a home? Because that can get way overwhelming quick right.
• 7:43
  Speaker 1: Well, And I think a lot of folks don't understand
• 7:46
  Speaker 1: that the process behind everything, especially when you have a
• 7:49
  Speaker 1: locally based company like Truity. I mean, you have all
• 7:51
  Speaker 1: the connections with the local realtors, definite rokers, you know
• 7:56
  Speaker 1: what's hot in the market. We have those relations built in.
• 8:01
  Speaker 1: I mean brokers opens happen all the time. Yeah, where
• 8:04
  Speaker 1: you can come in and you were actually to see
• 8:07
  Speaker 1: a property itself. And you know, I know there is
• 8:09
  Speaker 1: a very important distinction between a realtor and a mortgage lender.
• 8:13
  Speaker 1: But you know, from what I have seen in this business,
• 8:18
  Speaker 1: you're going to assist on the financial side. When it
• 8:20
  Speaker 1: comes time for closing. You're going to be there with
• 8:24
  Speaker 1: muscle men or whomever it is that you to do
• 8:27
  Speaker 1: the abstract behind it. And you know it's just for you.
• 8:31
  Speaker 1: I'm sure. It's just a rewarding experience to see people
• 8:35
  Speaker 1: making that first time change.
• 8:37
  Speaker 2: One hundred percent. It's so fun to see young people
• 8:42
  Speaker 2: that have that are getting into their home, you know,
• 8:46
  Speaker 2: like I mean, buying a home is the biggest financial
• 8:49
  Speaker 2: decision of your life, absolutely, and being able to help
• 8:53
  Speaker 2: somebody do that is so rewarding, so special, it really is.
• 8:57
  Speaker 1: Becky Gaily, Senior mortgage Development Officer for Truity Credit Union. Becky,
• 9:01
  Speaker 1: how can somebody get in contact with you?
• 9:03
  Speaker 2: They can call me my numbers nine one, eight, three, three, seven, seven,
• 9:08
  Speaker 2: six two five. That's the best way.
• 9:10
  Speaker 1: There you go, and also at the website trudycu dot
• 9:14
  Speaker 1: org is another place where you can go and and
• 9:17
  Speaker 1: really look to see, you know, do you do pre
• 9:19
  Speaker 1: qualls on the website. Yep, okay, so pre qualifications can
• 9:23
  Speaker 1: be done at the Truty website. Doing business with a
• 9:27
  Speaker 1: better way to bank, a better way to go in
• 9:30
  Speaker 1: and finance your dream home. Yes, Becky and the entire
• 9:35
  Speaker 1: team at Trudy will help you. Becky, thank you so much,
• 9:38
  Speaker 1: thanks for coming in today and spending time you've been
• 9:41
  Speaker 1: listening to one on one with a professional here on
• 9:44
  Speaker 1: K one. Thanks for listening to one on one with
• 9:50
  Speaker 1: a professional A paid presentation at fourteen hundred K one