New Beginnings Mortgage Program

Do you have limited down payment resources, a prior foreclosure or past credit issues? We can help. With our New Beginnings mortgage loan program we try to say "yes" when other financial institutions may have said "no".

This program offers two types of mortgage loans:

Back-on-Track

  • For a limited time we are offering a FREE home appraisal1
  • Down payment as low as 10%
  • Previous foreclosure, bankruptcy and short sales over 2 years considered

Square One

  • For a limited time we are offering a FREE home appraisal1
  • Down payments as low as 20%
  • Loan amount up to $1 million
  • Previous foreclosure, bankruptcy and short sales over 12 months are considered

You can also use our convenient financial calculators to quickly assess how much home you can afford.

Learn More

Contact Arizona Central Credit Union by calling (602) 264-6421 ext. 8189 or toll free at (866) 264-6421 ext. 8189 to learn more about our mortgage products, designed to meet your financial needs!

Apply Now

View Rates

1Apply for a mortgage loan with Arizona Central Credit Union to qualify for a free appraisal up to $450.00. Offer applies to first mortgage purchase and refinance transactions only. This offer is not applicable for home equity transactions. This offer can be revoked at any time. Cannot be combined with any other offers, including but not limited to Central Points®. Appraisal fee will be paid by member at time of appraisal and will be reimbursed at the time of loan funding with Arizona Central Credit Union. *APR=Annual Percentage Rate. Rates are subject to change. Rates quoted below require 1 discount point.  Rates are based on creditworthiness so your rate may differ. Other terms and conditions apply. Speak with one of our Mortgage Loan Officers (MLO) for more details.