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:


  • 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

PLUS for a limited time you will be entered to win a Northern Arizona Adventure Package!2


Apply Now




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 by December 31, 2019, and fund with Arizona Central Credit Union by February 28, 2020 to qualify for a free appraisal up to $475.00. Appraisal fee may be higher depending on property types. This 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. This offer cannot be combined with any other offers. 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.

2Some restrictions apply.  No purchase necessary.  Member must apply for a first mortgage loan between June 1, 2019 and August 31, 2019, and fund with Arizona Central Credit Union by October 31, 2019 to be entered into the drawing for the $400 Marriott® gift card and Northern Arizona Adventure Package grand prize.  Offer excludes all home equity loans and lines of credit. The winner selected must be in good-standing with Arizona Central and current on their loan. Some restrictions apply. Winner assumes full responsibility of the grand prize and understands to hold Arizona Central Credit Union harmless from any damage, injury, or loss that may occur. For a limited time – may be changed at any time. Random drawing will take place on or about November 8, 2019.  See Official Rules for more details.