Fraud Alert – If you receive a suspicious call or text message claiming to be from a OneAZ Representative, please call the phone number on the back of your credit or debit card. If OneAZ contacts you, we will never ask for personal/account information or Online Banking Credentials (password, username, or passcodes) by phone or text message.

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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

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 September 15, 2023.

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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