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.


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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 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.