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Building Your Home with OneAZ

  • Down payments as low as 10% on loan amounts up to $3,000,000
  • 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
  • 100% Arizona-based team

Lock in your mortgage rate for up to 1 year!1

Building a home? Get peace of mind with OneLock Assurance.

  • 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 will 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.

Contact a Loan Officer Today

OneLock Assurance | Extended Rate Lock | OneAz Credit UnionOneLock Assurance | Extended Rate Lock | OneAz Credit Union

Our Construction Loan Process

Found your slice of paradise? Great! Let’s get started building your dream home today.


After consulting with your loan specialist, apply with them.


Interest reserve account is established up front to cover payments during construction period.

Move in

Your construction loan will be rolled into the permanent financing for your new dream home!

Why Build Your Home?

  • Customize your home from floor to ceiling.
  • Utilize the latest technology to future-proof your home.
  • Choose your preferred builder and floor plans.
  • Lower maintenance costs for a brand-new home.

Find the construction loan you need at OneAZ:

  • One-time close construction loans
  • Renovation loans
  • Local and personalized processing for all construction loans
  • Available for single family homes and PUDs (Planned Unit Development)

Click Click


Our mortgage team is ready to find the loan solution for your needs.

Apply Now

Call our Virtual Team


Speak with an experienced mortgage loan officer 24/7.




Schedule an appointment with a mortgage loan officer at your local branch.


Questions? Let us know.

See what OneAZ members are saying about our mortgages!

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Learn more about mortgage loans.

At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.

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Rates as of July 1, 2024.

APR = Annual Percentage Rate.

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

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