ARIZONA MORTGAGES & HOME LOANS

Your time is at a premium. That’s why we’ve made shopping for a mortgage loan simple, straightforward, and possible.

Get started

ARIZONA MORTGAGES & HOME LOANS

Your time is at a premium. That’s why we’ve made shopping for a mortgage loan simple, straightforward, and possible.

Get started

Mortgage Loans

Prequalify
Know how much home you can afford before you start shopping. We can help you understand your range of options, mortgage payments, and special programs to make the process easier.

Down Payment
Don’t let a down payment hold you back. Our programs can help with assistance, options, and guidance to get you into a home sooner.

Refinancing
If rates have dropped or your credit score has improved, refinancing could save you money. We’ll help you decide if now’s the right time.

Home Equity & Mortgage Loan Rates

Home Equity Rates

Home Equity Loans APR Monthly Payment Apply Now
Line of Credit (HELOC) As low as 7.00%1 Calculate Your Payment Apply Now
Closed End As low as 7.734%2 Calculate Your Payment Apply Now

First Mortgage Loan Rates

Loan Term Interest Rate APR
10 Year Term 5.625% 5.853%1
15 Year Term 5.750% 5.912%1
30 Year Term 6.000% 6.097%1

Find Out What Mortgage Product is Right For You

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
This is a wonderful option for a family who has excellent credit and is looking for a low fixed monthly payment. It is great for those wanting to stay in their home long term. 3% for first time homebuyers; 5 for non first time homebuyers; 20% down is needed to avoid Private Mortgage Insurance (PMI) Fixed Rate 10, 15, 20 and 30 year repayment options

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
Jumbo loans are available when the borrowing needs exceed the limits set conforming loans. These loans with AZCCU go up to 3 million dollars The down payment for a Jumbo loan varies based on the needed loan amount and credit of the borrower. The traditional down payment is normally 5-20% down. Fixed Rate 10, 15, 20 and 30 year repayment options

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
AZCCU created our portfolio product line to assist borrowers who need something other than the traditonal mortgage products. This product offers a no down payment on purchases, flexible underwriting options when the property or other underwriting factors do not meet the traditional guidelines This product allows up to 100% financing in one loan or split into two loans (with a home Equity loan) to avoid Private Mortgage Insurance (PMI) Fixed rate. Typically .125-.375% higher interest rate than a traditional conforming loan. 10, 15, 20 and 30 year repayment options

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
A family who wants to tap into the equity in their home with an immediate need for the money. We lend up to 100% of the property value for any reason and up to 133% of the home’s value for Home Improvements. This product also pairs with our portfolio loan on purchases to allow for no down payment. When paired with a Portfoliio loan, this product allows for up to 100% financing on a purchase loan. No Private Mortgage Insurance is needed when we do the loans simultaneously. Fixed Rate 10, 15 or 20 year repayment options

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
A family who currently owns a home with equity and wants a line of credit available without an immediate need for the funds. This product provides the option for interest only paments on funds used for the first 10 years This product is not available for purchases. Variable rate – The rate is tied to the prime interest rate. As the Prime interest rate changes, so does the rate on our HELOC product. The minimum rate on our HELOC loans is 5% and the maximum rate is 18%. The rate can change monthly. Draw for 10 years with interest only payments; Repay on year 11 through 25 full principal and interest payments

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
Families who have limited down payment funds saved. FHA also have more flexible options for borrowers who may have credit or debt-to-income issues. This product requires 3.5% down payment. The down payment may be gifted from a qualified family member. Fixed Rate 15 and 30- year repayment options.

Ideal mortgage product for: Down Payment required for a purchase: Interest Rate Term Options
Borrowers who are veterans, active duty service members, and surviving spouses. This product offer up to 100% financing of the purchase price. Fixed Rate 15 and 30- year repayment options.

Why Choose Arizona Central Credit Union for an Auto Loan?

Since 1939, Arizona Central Credit Union has been helping Arizona families drive their dreams. We make financing simple, affordable, and tailored to your needs, so you can focus on the road ahead.

Learn About Mortgages Today!

Find out how easy it is to start the process of getting your dream home!