As a Fannie Mae direct lender, OneAZ Credit Union provides access to conventional financing without any delays for review by an investor or other agencies. This lets our borrowers access low rates with simple financing.
- Get a cash rebate of up to 25% when you buy and/or sell a home with OneAZ Credit Union Home Rewards1
- Up to 97%2 specialized/flexible financing options
- Up to 95% financing on Owner Occupied properties
- Up to 85% financing on Investment properties
- Fixed and adjustable rates available
- Fannie Mae Direct Lender (no investor overlays)
- Reduced Credit Union mortgage insurance premiums
- Discount on closing costs for loan amounts of
$200,000 or more - Close on your loan in as little as 30 days3
Mortgage Resources
- Mortgage Calculator - use this calculator to customize your rate
- Find a branch - visit a location today
- Mortgage Loan Officers - connect with a mortgage loan expert that can help you every step of the way
- Mortgage Walk through - a guide to your homeownership journey
All loans are subject to credit approval and program eligibility. Click here for the Nationwide Mortgage Licensing System Associate List
1 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 FNMA HomeReady 97% / FNMA Standard 97% - Owner Occupied with Income or Home Ownership limitation requirements.
3 Not eligible on all products, i.e., 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 OneAZCu.com/30dayclose to learn more.