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Save with the Home Plus program

Get credit toward your home’s closing costs – whether you’re buying, selling or both!

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Closing credit: Save two ways


Buying your home

Get a buyer’s credit of up to $7,500.1

Selling your home

  Get a discount of up to $7,500.1


That means you could save up to $15,000 total on closing costs!

Get in touch

How it works

Get pre-qualified.
Just click, call or come in!
Ask for a referral.
Ask your mortgage loan officer for a referral to the Desert Financial Home Plus program.
Work with a program agent.
Buy or sell with the help of an experienced agent in the Home Plus program.
Apply now

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Program requirements

Work with a real estate agent in the Home Plus program.
The home being bought or sold is in Arizona.
Your loan does not have to close through Desert Financial to get the credit.

FAQs: Desert Financial Home Plus program


How can I get in contact with a Desert Financial Home Plus real estate agent?

One of our mortgage loan officers can refer you to an agent in the Home Plus program. Just fill out the form below or give us a call!

What is the benefit of participating in the Desert Financial Home Plus program?

Besides getting a closing cost credit of up to $7,500, you can have peace of mind working with a program-approved agent who is experienced in the Arizona market.

Do I need to participate in Desert Financial Home Plus to get the closing cost credit?

Yes. You must work with an agent in the program to receive the closing cost credit.

How much is the closing cost credit?

The credit is a maximum of $7,500 and varies depending on the home sale price and agent commission.

When would I receive the closing cost credit?

Your credit and/or discount will be applied directly to your closing costs when your loan closes.

How is the closing cost credit calculated?

When selling a home, the discount is 25% of the listing agent’s commission up to $7,500.

When buying a home, the credit is 25% of the buying agent’s commission up to $7,500.

Does the property being bought or sold need to be in Arizona?

Yes. The property must be in Arizona.

Get started today

Fill out the form, and we’ll reach out to you soon!

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The Real Estate Broker Program ("Desert Financial Home Plus") will match you with a participating real estate broker (“Participating Broker”) who will assist in the homebuying experience and will provide the applicable credit toward closing costs. Participating Broker shall provide a credit of 25% of the buyer’s agent commission toward the closing costs, up to a maximum of seven thousand five hundred dollars ($7,500) to be provided regardless of the lender utilized, and a credit of 25% toward the listing agent commission expense, up to a maximum of seven thousand five hundred dollars ($7,500), if the Participating Broker lists an applicable property with a real estate agent from the list of preferred providers. The Participating Broker will confirm each applicable credit is applied by the title company. These credits are applied as a discount from the commission payable to the broker. Use of a Participating Broker is completely voluntary and members financing the purchase of a home with Desert Financial Credit Union (“Desert Financial”) are under no obligation to participate in this Program. Desert Financial does not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating brokers are non-affiliated third parties of Desert Financial, and Desert Financial makes no warranties or representations about the services provided by participating brokers.

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