We’ll guide you to “home sweet home.”

Are you ready to buy a home? From prequalifying for a loan to getting the keys, OneAZ is in this journey with you. Our exclusive APR discount for members and low closing fees help put some ease on the financial process. Let our mortgage team guide you to “home sweet home.”

No down payment? No problem! 

See if you qualify for 100% financing on your dream home!

Our 0% Down Payment Program* is available on fixed-rate and ARM loans

  • Must have a FICO Score of 700+
  • Debt-to-Income (DTI) ratio must be 45% or lower
  • No maximum income limitations
  • No first-time homeownership requirements
  • No homebuyer education requirements 

Connect with a Loan Officer Today

Your future home starts with the right home loan.

Conventional Fixed Rate Mortgage icon

Conventional Fixed Rate

Your interest rate is locked-in up front and won’t change throughout the life of your loan.


  • $0 down payment options may be available1
  • Monthly payments are fixed and won’t change when interest rates change
  • 15-, 20-, and 30-year options available

Apply Now Learn More

Adjustable-Rate Mortgages - calculator icon

Adjustable-Rate Mortgages

Start out with a lower interest rate than a fixed-rate mortgage. With an ARM, your interest rate may go up or down depending on the market.


  • Your rate is locked-in for the first 5, 7 or 10 years of your loan
  • Rates adjust based on the market after your initial fixed-rate term ends

Apply Now Learn More

Jumbo Mortgage icon


Jumbo home loans are for homes and properties that need financing above the Federal Housing Finance Agency (FHFA) conforming loan limit of $726,200.


  • Financing up to $1,000,000 with only 3% down
  • Loan amounts up to $3,000,000
  • Reduced private mortgage insurance requirements

Apply Now Learn More

Construction Home Loans

Construction Home Loans

Build your dream home with a loan that covers construction and permanent financing.


  • One-time closing
  • Down payments as low as 10% on loan amounts up to $3,000,000
  • 12- or 18-month construction periods available

Apply Now Learn More



Refinancing may mean more cash for your monthly budget.


  • Lower your monthly payment
  • More favorable interest rates or better terms
  • Reduce or eliminate private mortgage insurance

Apply Now Learn More

Home Equity Line of Credit/Home Equity Loan

Home Equity Line of Credit/Home Equity Loan

Use your home’s equity to secure financing for upgrades and repairs.


  • Use your home’s equity to add value to your home
  • Consolidate high-interest debt
  • Have funds on hand for emergencies

Learn More


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

arizona mortgage icon

Now Offering Down Payment Assistance

Eligible first-time homebuyers can apply through the WISH program.

Today’s Rates

Rates are rising. Check out our current home loan rates.

View Rates

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We check all the boxes you’re counting on.

  • 0.25% Discount Enjoy a discount on your home loan interest rate just for banking with us3
  • Guaranteed On-time Closing Our loans close in 24 days or we’ll give you $1,0004
  • 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
24/7 After Hours and on Weekends icon

Apply anytime.

We're here for you 24/7. Apply by phone after hours and on weekends.

Call 855.505.4663

See what OneAZ members are saying about our mortgages!

OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.

OneAZ mortgages by the numbers.


Members who said "home sweet home" since 2020


Mortgage Agents serving Arizona
Meet Our Team


Our mortgage team is standing by to help you achieve your financial goals.

Apply for a mortgage loan today!

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

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Call our Virtual Team


Speak with an experienced mortgage loan officer 24/7.


Find a Branch


Locate a nearby branch and connect with a loan officer.

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Schedule an appointment with a mortgage agent.


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Home Lending Resources

Learn more about mortgage options and saving for a home in our Financial Resources Guide.

View More

What Are My Mortgage Options?

If you’re ready for the homebuying process, start familiarizing yourself with the basics of home loans so you can choose the right mortgage for you!

Keep Reading

7 Questions to Ask Your Mortgage Lender

Before you sit down with your mortgage lender, make sure you ask these 7 questions so you have a full and better understanding of how a mortgage works and what you can expect.

Keep Reading

How Much House Can I Afford?

Are you on the hunt for a new home and wondering how much you can afford? Here are some ways to figure out how much home you can afford!

Keep Reading

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

1 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 financial options.

2 OneLock Assurance: Extended Rate Lock – Terms and Conditions* Apply. Loan must be fully credit approved by underwriting in order to proceed. An extended rate lock fee (1.00%) will be collected at the time of rate lock. Borrower is required to become a OneAZ member and open a OneAZ Shared Savings and Checking account so that the lock fee may be collected from a OneAZ Account. An Extended Interest Rate Lock Agreement must be signed and acknowledged by all parties.

*Conditions Apply – All, or a portion, of the lock fee is refundable and shall be applied to closing costs at the closing of the loan. A refundable lock fee rebate schedule is available upon request. Forfeiture of the extended lock fee may also occur under certain circumstances.

3 Conditions apply. Rates and terms subject to change at any time. Discounted interest rate is available on purchase and refinance loans. To qualify for .25% discount, you will need to agree to the following or have already established the following: Establish membership, Open a OneAZ checking account, Set up a monthly direct deposit of $1,000 or more and set up an auto pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

4 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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