We’ll guide you to “home sweet home.”
Are you ready to buy a home? From prequalifying for a loan to getting the keys, OneAZ is in this journey with you. Our exclusive APR discount for members and low closing fees help put some ease on the financial process. Let our mortgage team guide you to “home sweet home.”
No down payment? No problem!
See if you qualify for 100% financing on your dream home!
Our 0% Down Payment Program1 is available on fixed-rate and ARM loans
- Must have a FICO Score of 700+
- Debt-to-Income (DTI) ratio must be 45% or lower
- No maximum income limitations
- No first-time homeownership requirements
- No homebuyer education requirements
Your future home starts with the right home loan.
Conventional Fixed Rate
Your interest rate is locked-in up front and won’t change throughout the life of your loan.
Benefits
- $0 down payment options may be available1
- Monthly payments are fixed and won’t change when interest rates change
- 15-, 20-, and 30-year options available
Adjustable-Rate Mortgages
Start out with a lower interest rate than a fixed-rate mortgage. With an ARM, your interest rate may go up or down depending on the market.
Benefits
- Your rate is locked-in for the first 5, 7 or 10 years of your loan
- Rates adjust based on the market after your initial fixed-rate term ends
Refinance
Refinancing may mean more cash for your monthly budget.
Benefits
- Lower your monthly payment
- More favorable interest rates or better terms
- Reduce or eliminate private mortgage insurance
Construction Home Loans
Build your dream home with a loan that covers construction and permanent financing.
Benefits
- One-time closing
- Down payments as low as 10% on loan amounts up to $3,000,0002
- 12- or 18-month construction periods available
Jumbo
Jumbo home loans are for homes and properties that need financing above the Federal Housing Finance Agency (FHFA) conforming loan limit of $766,550.
Benefits
- Financing up to $1,000,000 with only 3% down3
- Loan amounts up to $3,000,000
- Reduced private mortgage insurance requirements
Home Equity Line of Credit/Home Equity Loan
Use your home’s equity to secure financing for upgrades and repairs.
Benefits
- Use your home’s equity to add value to your home
- Consolidate high-interest debt
- Have funds on hand for emergencies
Lock in your mortgage rate for up to 1 year!4
Building a home? Get peace of mind with OneLock Assurance.
- Lock in your rate for up to 365 days
- Plan your monthly payments and manage your budget
- The rate lock comes at a fee of 1% of the loan amount and will be applied toward closing costs*
- No surprises: If the market rate is lower when you go to finance, you’ll get the lower rate. But if the rate is higher, you will have locked in your rate.
Now Offering Down Payment Assistance
Eligible first-time homebuyers can apply through the WISH program.
We check all the boxes you’re counting on.
- 0.25% Discount Enjoy a discount on your home loan interest rate just for banking with us5
- Guaranteed On-time Closing Our loans close in 24 days or we’ll give you $1,0006
- Low Fees at Closing OneAZ has some of the lowest fees in Arizona
- Local Expertise Our mortgage team knows the local market and will keep you informed on the progress of your loan application
- 24/7 Live Loan Application Support Apply for your loan by phone or online anytime, day or night, weekday or weekend
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
OneAZ mortgages by the numbers.
1,694
Members who said "home sweet home" since 2020
14
Mortgage Agents serving Arizona
Meet Our Team
Questions?
Our mortgage team is standing by to help you achieve your financial goals.
Apply for a mortgage loan today!
Home Lending Resources
Learn more about mortgage options and saving for a home in our Financial Resources Guide.
A Guide to Mortgage Options in Arizona
Ready to buy a home? Learn about the 6 types of mortgage options available when buying a home in Arizona in this ultimate guide.
Keep ReadingTop 7 Questions You Should Be Asking Your Mortgage Lender
Before sitting down with your mortgage lender, ask these questions to have a full and better understanding of how a mortgage works and what to expect.
Keep ReadingHow Much House Can I Afford? Mortgage Affordability Calculator
Use our Mortgage Affordability Calculator to determine how much house you can afford based on your take-home pay and monthly mortgage payment affordability.
Keep ReadingAll loans are subject to credit approval and program eligibility. Click here for the Nationwide Mortgage Licensing System Associate List.
1 0% Down Payment is for purchase transactions only. Minimum FICO score and Maximum debt to income (DTI) ratios are applicable; strong financial profile and excellent credit are required on this program. Additional terms and conditions may be applicable, not all individuals will qualify. Inquire about other alternative financial options.
290% financing available up to $1,500,000 and 85% financing available on loans $1,500,000.01-$3,000,000.00 depending on program and loan type and term. Terms and Conditions apply; Membership qualifications apply.
3Terms and Conditions Apply; Maximum income and loan amount limits apply. Fixed-rate mortgages (no cash out refinances), primary residences only. Certain property types are ineligible. All loans are subject to credit approval, underwriting factors, and program eligibility. Membership qualifications apply. For membership eligibility visit OneAZcu.com/membership.
4 OneLock Assurance: Extended Rate Lock – Terms and Conditions* Apply. Loan must be fully credit approved by underwriting in order to proceed. An extended rate lock fee (1.00%) will be collected at the time of rate lock. Borrower is required to become a OneAZ member and open a OneAZ Shared Savings and Checking account so that the lock fee may be collected from a OneAZ Account. An Extended Interest Rate Lock Agreement must be signed and acknowledged by all parties.
*Conditions Apply – All, or a portion, of the lock fee is refundable and shall be applied to closing costs at the closing of the loan. A refundable lock fee rebate schedule is available upon request. Forfeiture of the extended lock fee may also occur under certain circumstances.
5Conditions apply. Rates and terms subject to change at any time. Discounted interest rate is available on purchase and refinance loans. To qualify for .25% discount, you will need to agree to the following or have already established the following: Establish membership, Open a OneAZ checking account, Set up a monthly direct deposit of $1,000 or more and set up an auto pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.
6 24-Day Close Guarantee-Conditions apply. Terms and Conditions must be signed and acknowledged by both parties. For full details, refer to the Mortgage Closing Agreement.
