Home Lending Resources

February 26, 2024

An adjustable-rate mortgage can offer a lower monthly home payment when interest rates are high.

September 12, 2023

Ready to buy a home? Learn about the 6 types of mortgage loans available when buying a home in Arizona in this ultimate guide.

September 12, 2023

Poor credit history, high debt-to-income ratio, and insufficient income are a few of the most common loan denial reasons.  

September 11, 2023

If this is your first time buying a home, get to know all the real estate professionals and key players who will be involved in your homebuying journey.

August 15, 2023

While location is the most important feature to consider when buying a house, you’ll also want to think about maintenance needs, layout, size, yard, kitchen details and more.

August 08, 2023

To determine if you’re ready to buy a house in Arizona, understand how much you can afford and what home prices look like in different parts of the state.

July 18, 2023

When saving for a home, factor in your down payment, earnest money, closing costs and moving expenses to create a realistic budget.

July 11, 2023

A construction loan can help you finance building a new house, renovation, or making an addition to your current home.

June 20, 2023

Lenders consider your debt-to-income (DTI) ratio when you apply for a mortgage loan to help them determine how much you’ll be qualified to borrow.

May 26, 2023

Saving for your first home starts with getting pre-qualified for a mortgage. Then you can set your savings goal and timeline, create a budget and automate your savings. Let’s dive in.

May 01, 2023

OneAZ Credit Union assists homebuyers by offering low down payment options and down payment assistance through the WISH Program.

January 24, 2023

Closing costs are fees and expenses you pay when you secure your mortgage loan. They can include loan application fees, inspection fees, title fees, taxes and insurance.

November 18, 2022

Deciding whether to build a house or buy a home in Arizona may not be as easy of a decision as it once was. We want to help you make the best choice.

October 24, 2022

Getting pre-approved for a mortgage loan is one of the first steps in the homebuying process. Your mortgage pre-approval checklist includes ID, proof of income, proof of assets, proof of debt, proof of credit and more.

September 02, 2022

Getting pre-qualified, pre-approved or obtaining a mortgage commitment letter give you advantages when competing to purchase a home.

September 02, 2022

Getting pre-qualified, pre-approved or obtaining a mortgage commitment letter give you advantages when competing to purchase a home.

September 02, 2022

An adjustable-rate mortgage – or an “ARM loan” - offers some serious benefits for Arizona homebuyers during times of higher interest rates.

January 20, 2022

You’ve likely heard talk about interest rates being at historic lows. You’re wondering if refinancing your current mortgage is the right move for you?

October 20, 2021

A jumbo mortgage, or jumbo loan, is used when a mortgage loan exceeds the conventional loan limits set by the FHFA for Fannie Mae or Freddie Mac.

October 20, 2021

Before sitting down with your mortgage lender, ask these questions to have a full and better understanding of how a mortgage works and what to expect.

October 05, 2021

Use our Mortgage Affordability Calculator to determine how much house you can afford based on your take-home pay and monthly mortgage payment affordability.

August 24, 2021

When budgeting for your first home, here are seven often overlooked costs that can have a big impact on your bottom line.

July 30, 2021

Before applying for a home equity loan, lenders will need to see you have equity in your current home.

July 30, 2021

What if you could use your home to keep more of your hard-earned cash each month? Refinancing your home loan could be the answer.

June 29, 2021

A home equity loan is a lump-sum installment loan guaranteed by the equity in your home.

June 23, 2021

Ready to buy a home? Learn about the 6 types of mortgage options available when buying a home in Arizona in this ultimate guide.

June 23, 2021

Whether you’re starting small with a kitchen refresh or overhauling your entire house, check out these tips for making your home great on any budget.

June 23, 2021

A cash-out refinance calculator can help you see what your monthly payment and overall cost would look like with a cash-out refinance.

April 28, 2021

What is a HELOC? This guide covers how to use a HELOC to tap into your home's equity for things like home improvements or consolidating debt.

October 16, 2020

When finding a new home, it’s important to partner with professionals who know your needs, care about your goals and can help you find your dream home

September 27, 2020

When buying your first home, you’ll want to budget 1-4% of your home’s value for maintenance costs.

September 03, 2020

Learn what prequalification means and why it’s the best first step in purchasing a home.

January 30, 2018

Purchasing a home can be a complex process. Use these 5 tips to get started.