We’re super handy. (With financing, at least.)

Lock in a low HELOC rate as low a 5.25% APR*

Apply Today

Life happens. Use your home's equity to ensure you are prepared for all of life’s moments. We make the application process fast and easy. Put your home’s equity to work with an affordable HELOC or home equity loan.

Your loan can help you:

  • Consolidate Debt
  • Remodel your home
  • Pay for unexpected expenses

Debt Consolidation Calculator

Should you consolidate your debt with a home equity loan?

Rates as of July 2, 2019.

*Variable Rate Product. APR=Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.25% to 7.50% based on loan amount, CLTV and applicant's credit. The Fully Indexed corresponding APR may range from 5.25% to 7.50%. OneAZ may pay third party fees on your behalf, in which case, these will be subject to recapture if loan is paid off or closed within 36 months. $75.00 inactivity fee is waived if there is a balance and/or transaction within a consecutive twelve month period. Index Rate is based on the prime rate from the Wall Street Journal as of the 15th of each month. Variable Rate Provision: To determine the APR we add a margin to the value of the index and round up to the nearest .25%. APR: Lifetime floor is 4.50%, Lifetime cap is 18.00%. Draw Period - 10 years and the Repayment Period is up to 15 years. Minimum Payment Requirements: You will be required to make payments during the draw period (10 years) and the repayment period (up to 15 years). Payment will be based on a 300 monthly payment schedule at the time of a credit advance.