Finance Your Arizona Land Today with Lot Loans
Secure your piece of Arizona's future. Buy the land you love now and build when you're ready. Plus, get a rebate toward your construction loan in the future!
Short Term,
Fixed Rates Available
Requires Down Payment
of at least 25%
Improved or
Unimproved Land
Build Your Dream Home with a Construction Loan
From buying land to building your forever home, OneAZ makes financing simple, backed by a local team dedicated to helping you build with confidence.
Down payments as low as 10% on loan amounts up to $1,500,0001
One-time closing: Close once for construction and permanent financing
Fixed-rate and adjustable-rate financing options available
12- or 18-month construction periods available
What’s Next?
Found your slice of paradise? Great! Let’s get started building your dream home today.
Lock in your mortgage rate for up to 1 year!
- Building a home? Get peace of mind with OneLock Assurance.2
- 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 may 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.
Your Key to Homeownership
Fast Closings
We guarantee our loans close in 24 days or we’ll give you $2,5003.
Lower Fees
We typically offer lower fees than other lenders so you have more move-in money.
Local Expertise
From your first home to complex builds, our local experts handle the heavy lifting so you don’t have to.
Tailored Loans
Whether it’s a standard mortgage, a low-down-payment FHA, or a custom construction loan, we have the perfect fit.
Apply 24/7
We’re ready when you are! Apply for your loan by phone or online 24/7.
Take The Next Step in Your Journey
Click
Open an
account online!
Call
Speak with an experienced loan officer 24/7.
Visit
Finance your loan at one of our local branches.
Schedule
Schedule an appointment with a mortgage agent.
Our mortgage team is standing by to help you achieve your dream of homeownership.
FAQs
A construction loan provides financing to build a new home. With OneAZ's one-time close construction loan, you close once for both the construction phase and permanent financing. Once construction is complete, the loan transitions into your long-term mortgage.
Qualified borrowers may be eligible for down payments as low as 10% on
construction loan amounts up to $1,500,000. Down payment requirements vary based on factors such as credit, loan amount, and property details.
Yes. OneAZ's OneLock Assurance program allows eligible borrowers to lock in their mortgage rate for up to 365 days during the construction process. If rates decrease before your loan converts to permanent financing, you may receive the lower rate.
Yes. OneAZ offers lot loans for both improved and unimproved land. Qualified borrowers can purchase land today and build when they're ready, with a potential rebate available toward future construction financing.
OneAZ offers local expertise through a 100% Arizona-based mortgage team, onetime close construction financing, flexible 12- or 18-month construction periods, fixed-rate and adjustable-rate mortgage options, and personalized support throughout the building process.
Improved: All utilities present to the lot location.
Unimproved: All utilities are not present to the lot, but some/all are reasonably accessible.
190% 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.
*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.
124-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.
