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Let’s unlock your dreams.

OneAZ down payment assistance makes homeownership possible for all Arizona homebuyers.

Schedule an Appointment Call 855.505.4663

WISH Down Payment Assistance Program Get up to $30,8061 toward your first home!

First-time homebuyers may be eligible for up to $30,806 in down payment assistance through the WISH Grant Program.

For every $1 you put down, the WISH Program will match $4!

Apply today – funds are limited!

Schedule an Appointment Call 855.505.4663

To be eligible for WISH Down Payment Assistance, homebuyers must:

  • Have successfully completed a homebuyer counseling program.
  • Be a first-time homebuyer, as defined by Federal Home Loan Bank (FHLBank) in its AHP Implementation Plan.
  • Meet income eligibility guidelines, as published by FHLBank at the time of enrollment in the WISH Program and be at or below 80% of the HUD Area Median Income (AMI).
  • Contribute $1 for every $4 received, which may come from savings or gifted funds.
  • Other requirements and conditions may apply.

Other Affordable Home Loan Programs Available for Homebuyers

These affordable housing options are available on 7-year ARM, 10-year ARM and 30-year fixed-rate mortgages at OneAZ.

$0 Down Payment2

  • Homebuyers with a FICO score of 700+
  • No maximum income limitations
  • No first-time homeownership requirements
  • No homebuyer education requirements

1% Down Option3

  • Homebuyers with a FICO score of 680+
  • Maximum 100% area median income for property location
  • No other real estate can be owned by occupying borrower
  • First-time homebuyer education course completion required

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Why Choose OneAZ for Your Home Loan?

  • 0.25% Discount Enjoy a discount on your home loan interest rate just for banking with us4
  • Guaranteed On-time Closing Our loans close in 24 days or we’ll give you $1,0005
  • Low Fees at Closing OneAZ has some of the lowest fees in Arizona
  • Local Expertise Our mortgage team knows the local market and will keep you informed on the progress of your loan application
  • 24/7 Live Loan Application Support Apply for your loan by phone or online anytime, day or night, weekday or weekend

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

1 Must be a first-time homebuyer (not owning a primary residence in the last three years), enrolled in WISH Homeownership Program (participation does not guarantee funding); funds are limited and must meet eligibility guidelines predetermined by program including at or below 80% of the HUD AMI area median income (based on current household location) and adjusted for household size at time of enrollment in WISH Program. Valid only for primary residence in Arizona. Must contribute $1 for every $4 received, which may come from savings or gifted funds; For 2024, $13 Million in WISH Grant Funds are available on a First Come, First Served Basis. Enrollment in the WISH Program does not guarantee the homebuyer receipt of program funds. Available grant funds may be depleted/allocated at any time and until the SF FHLB specifically acknowledges that funds have been assigned to the recipient, there is no assurance that funds will be available. OneAZ Credit Union cannot guarantee the availability of WISH Program Grant Funds. Other terms and conditions apply.

2 0% Down Payment is for purchase transactions only. Minimum FICO score and Maximum debt to income (DTI) ratios are applicable; strong financial profile and excellent credit are required on this program. Additional terms and conditions may be applicable, not all individuals will qualify. Inquire about other alternative financing options.

3 1% Down Payment is for purchase transactions only. Minimum FICO score and Maximum Debt to Income (DTI) ratios are applicable. Must meet all applicable ARCH AMGC AHP EqualAccess Homeownership Program Requirements regarding maximum income, Homeownership Restrictions and extra Homeownership Education. Additional terms and conditions may be applicable. Not all individuals will qualify.

4 Conditions apply. Rates and terms subject to change at any time. Interest Rate Discount is available on purchase and refinance loans. To qualify for the 0.25% Interest Rate Discount, you will need to agree to the following: Establish OneAZ Membership, open a OneAZ Checking Account, set up monthly payroll Direct Deposit of $1,000 or more to the OneAZ Checking Account and set up monthly Auto Pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

5 24-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.

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