At OneAZ we understand that when buying a home, one size does not fit all. That is why we provide a range of financing options and 100% local underwriting and processing.

Professional Mortgage

Our professional home financing program is specifically designed to give you financial flexibility and significant savings.

Lot Loans

Found the perfect lot? Finance up to 75% of your new lot on a 3-year or 5-year term balloon loan.

  • Gives you flexibility while designing your custom home
  • Half of your origination fees can be credited towards construction loan fees
  • Lock in a rate up to 5 years
  • Amortization term of the loan is 25 years
  • Up to $500,000
  • Up to 75% loan to value


Home Ready® recognizes the diverse make-up of today’s households, including multi-generations and boarders, by considering the income of how non-borrowers may contribute to the household.

Purchase Money Second Options

Looking for a way to avoid mortgage insurance and finance more than 80% of your home’s value? This innovative program lets borrowers finance a portion of their home’s value on a first mortgage and piggy-back the rest on a second mortgage up to a total of 90% financing.

  • Traditional 80/10/10 split or structure to needs with
    just 10% down (ex. 60/30/10)
  • Second mortgage amounts available up to $350,000
  • Add a Purchase Money Second behind any first
    mortgage at OneAZ or another lender’s conventional first
Government Loans

There are a number of government loan programs that provide special benefits and flexibilities to home owners. At OneAZ Credit Union we can answer questions about these special government programs.

  • FHA
  • VA
  • USDA

Plus, get a cash rebate of up to 25% when you buy and/or sell a home with OneAZ Credit Union Home Rewards1!

OneAZ Mortgage in Numbers


Mortgage Loan Officers serving Arizona



Home loans closed in 2018 



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All loans are subject to credit approval and program eligibility. Click here for the  Nationwide Mortgage Licensing System Associate List

The HomeSmart program is made available to you through a relationship between OneAZ Credit Union and Home Rewards Group, Inc. Program Cash Rewards are awarded by Home Rewards Group, Inc. to buyers and sellers who select and use a real estate agent in the HomeSmart network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using OneAZ Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. OneAZ Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please contact the Credit Union to get details that may affect you.

2 Mortgage insurance paid exclusively by OneAZ Credit Union for members.

3 Not eligible on FHA, VA, USDA mortgages or refinances. Cannot guarantee 30 day close when third party external impeding factors are present, and borrowers did not agree to receive disclosures electronically. Visit for more details.