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.

  • Get up to 95% financing, including Jumbo mortgages
  • Save money with no monthly mortgage insurance cost1
  • Close on your home loan in as little as 30 days2
  • Both purchases and refinances qualify
  • Low down payments with competitive rates
  • All occupations eligible

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 up to 97% of your new home’s value without a first time home buyer requirement
  • Take advantage of significantly reduced mortgage insurance requirements and closing costs
  • Close on your home loan in as little as 30 days2
  • OneAZ Credit Union is committed to our communities and that is why we have chosen to rebate the cost of home owner education required for this program, up to $75.00
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 85% financing.

  • 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 mortgage
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

OneAZ Mortgage in Numbers

Mortgage Loan Officers serving Arizona

Home loans closed in 2019

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

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

2 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.