Mortgage Features & Benefits
We have low fixed and adjustable rate mortgages along with terms and programs that fit your budget.
Choose from a variety of terms to fit your needs. Enjoy 10, 15, 20, 25, or 30 year mortgage repayment terms.
Homeownership is possible with Arizona Financial's low closing cost requirements and home loan programs that require as little as a 3% down payment.
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
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.
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!
First-Time Home Buyer Solutions
Arizona Financial understands that first-time home buyers 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 downpayment? Our FHA Loan option could be the perfect solution.
If you are a first-time home buyer, have confidence that Arizona Financial can help your dreams of homeownership become a reality.
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.
This is the most common mortgage solution our members enjoy.
First-time home buyers enjoy the low down payment options FHA Loans offer.
You have served our country, now it's your turn to benefit with better mortgage terms.
Finance more expensive properties with confidence when the mortgage amount exceeds certain loan limits.
Arizona Financial's Construction Loans can help you whether you're building on land or planning a major renovation.
Having been a member for over 30 years, Arizona Financial has helped me through the bad times and the good times financially, and I'm so thankful for what they have provided me over the years.
Laura was incredibly helpful and guided us through purchasing a new home. Without her skill and expertise, this experience would have been challenging to maneuver through.
Sue Rios was very helpful and made my mortgage refinance a great experience. Thank you, Sue!
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
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
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
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.