Your journey to a perfect Home Mortgage

Start building your future with a mortgage that feels like home. Whether you're looking to purchase, refinance, or build, Arizona Financial can help.

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Have Mortgage Questions?
We Have Mortgage Answers

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Selecting the perfect mortgage doesn’t have to be a solo adventure. Let our experts help you find the perfect solution to get you into the home of your dreams.

  • What are the best loan terms for me? Arizona Financial offers flexible terms between 10-30 years.
  • What is a good down payment? We offer down payment options with as little as 3% down.
  • How much home can I afford? We can help you find a monthly payment that fits your lifestyle.
  • Looking for homes and need a pre-approval? We can help.

Get Started:
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Mortgage Features & Benefits

Looking for a Conventional Loan, FHA Loan, or VA Loan? Our complete suite of mortgage options can help you whether you’re a first-time home buyer or a seasoned homeowner.
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Competitive Mortgage Rates

We have low fixed and adjustable rate mortgages along with terms and programs that fit your budget.

Flexible Terms

Choose from a variety of terms to fit your needs. Enjoy 10, 15, 20, 25, or 30 year mortgage repayment terms.

Low Closing Costs

Homeownership is possible with Arizona Financial's low closing cost requirements and home loan programs that require as little as a 3% down payment.

No Prepayment Penalties

When your budget can afford an extra payment or two, don’t worry about potential prepayment penalties. We encourage additional payments!

SEE HOW MUCH HOUSE YOU CAN AFFORD

Mortgage Calculator

Explore the possibilities with our mortgage calculator and see how affordable homeownership can be! Try a few different rates and terms to see what works for your budget and unique financial situation. Don’t forget to email yourself the results!

  • Our Team Can Help
    Our loan originators are here to guide you through your home buying journey and reduce the stress so you can enjoy the process. Contact one of our mortgage experts!
  • Apply Online
    When you're ready to get preapproved, apply at a time and place that works for you 24/7 with our simple online application.

Your actual term and payment will be provided upon acceptance of an Arizona Financial loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Mortgage Solutions
for Your Unique Situation

If this is your first home, dream home, or vacation home, Arizona Financial's
suite of products can help you get the financing you need, fast.
Conventional Loan

This is the most common mortgage solution our members enjoy.

First-Time Homebuyer Loan

First-time homebuyers enjoy low down payment options through down payment assistance programs, FHA loans, and more.

VA Loan

You have served our country, now it's your turn to benefit with better mortgage terms.

Custom Loan

Looking for something outside of conventional loan limits? We can help.

Construction Loan

Arizona Financial's Construction Loans can help you whether you're building on land or planning a major renovation.

Adjustable-Rate Loan

Want to take advantage of a lower monthly payment? Ask us about our adjustable-rate mortgage loans.

Mortgage Resources

Blog Post

How To Navigate The Home-Buying Process

We’ve made a list of steps involved in the buying process, to help ensure your home-owning dreams don’t turn into a nightmare.

Read More
Blog Post

Home Buying: The 20% Down Myth

Let’s explore loan options that don’t require 20% down and take a look at the pros and cons of making a smaller down payment.

Read More
Blog Post

How To Improve Your Credit Score To Qualify For A Mortgage

To boost your credit score legitimately, it is best to begin by addressing the five criteria of what makes a good score.

Read More

Frequently Asked Questions

If I have bad credit, can I qualify for a loan?

Arizona Financial reviews a number of factors before making a decision on the loan, including credit and each member’s unique situation.

If you would like to discuss the details of your current financial picture before applying, simply call our loan experts at 602-683-1730.

How long does the Mortgage process take?

We are committed to closing your transaction on time and are able to close in as little as three weeks. The time frame depends on your property, your response to requested documents, and is reliant on the title process.

Do I have to be a member of Arizona Financial to get a loan?

To take advantage of Arizona Financial benefits, including competitive loan rates – membership is required. It's simple to become a member. You just have to meet one of our membership eligibility requirements.

Routing # 322172797

Arizona Financial’s website may provide links to third party sites, independent from Arizona Financial Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website or application. Arizona Financial does not manage the operation or content of these third-party websites or applications. The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union.


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