Your perfect
Mortgage is here

Whether you're ready to purchase your dream home or refinance an existing mortgage, Arizona Financial has the best mortgage and mortgage rate options for you.

Apply Now

When You're Ready to Apply,
We Can Help

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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.

  • Choose from a variety of flexible terms: 10, 15, 20, 25, or 30 years.
  • Purchase your dream home or refinance your current mortgage.
  • Our down payment options require as little as 3% down.
  • Our local experts know the market and can provide quick mortgage approvals.

Get Started:
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Mortgage Features & Benefits

Looking for a Conventional Loan, FHA Loan, VA Loan or Jumbo 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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Should I Refinance My Mortgage?

When you refinance your mortgage, you essentially pay off your old mortgage with a new mortgage at a different rate and/or term. Refinancing your mortgage can help you:

  • Lower your monthly payment
  • Pay off your home loan faster
  • Eliminate mortgage insurance
  • Take out cash to finance home improvements or consolidate debt

For help deciding if refinancing is right for you, get in touch with our experts today!

Contact Our Mortgage Experts

First-Time Homebuyer Solutions

Arizona Financial understands that first-time homebuyers may feel overwhelmed at the loan paperwork, program options, and finances associated with homeownership.

Our local mortgage experts can help eliminate the stress and unknowns that come with the home buying process! Concerned you don’t have enough for a down payment? Our FHA Loan option could be the perfect solution.

If you are a first-time homebuyer, have confidence that Arizona Financial can help your dreams of homeownership become a reality.

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Mortgage Solutions for Your Unique Situation

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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.

  1. Conventional Loan

    This is the most common mortgage solution our members enjoy. 

  2. FHA Loan

    First-time home buyers enjoy the low down payment options FHA Loans offer.

  3. VA Loan

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

  4. Jumbo Loan

    Finance more expensive properties with confidence when the mortgage amount exceeds certain loan limits.

  5. Construction Loan

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

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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?

Typically, the application and approval process can take anywhere from 8-15 weeks. The time frame depends on the 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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