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Find a place to let your story unfold with home solutions from Desert Financial. You’ll feel like anything is possible with our competitive rates and low closing costs. Plus, if you use a Participating Real Estate Broker, you can receive $500 toward your closing costs.¹ Qualifying members may also be able to take advantage of down payment assistance grants through the WISH program.²

First-time buyer? Looking to move up? We will help you find the mortgage that fits just right.

You’ll enjoy these benefits:

Great rates

Experienced mortgage loan officers to guide you

Full range of financing options

Flexible down payment options

Free mortgage webinars

Local servicing offered on most loans

In-house underwriting and processing

Closing Guarantee program

Home buying resources

Fill out the form below to get started, and a mortgage specialist will contact you within 48 hours.

Get a custom quote:

MORTGAGES

RATE

APR

POINTS

15 Year Fixed Rate

4.25%

4.534%

1.125%

Purchase Rate Assumptions and APR Information

Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account.

CONFORMING LOAN

15 Year Fixed Rate

Interest Rate

APR

Purchase Price

Down Payment

Term

Monthly Payment¹

4.25%

4.534%

$267,000

25%

15 yrs

$1,506.44

Rates valid on October 17, 2018. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.

30 Year Fixed Rate

4.75%

4.927%

1.250%

Purchase Rate Assumptions and APR Information

Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account.

CONFORMING LOAN

30 Year Fixed Rate

Interest Rate

APR

Purchase Price

Down Payment

Term

Monthly Payment¹

4.75%

4.927%

$267,000

25%

30 yrs

$1,044.60

FHA 30 Year Fixed

5.00%

5.806%

0.125%

Purchase Rate Assumptions and APR Information

Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account.

CONFORMING LOAN

FHA 30 Year Fixed

Interest Rate

APR

Purchase Price

Down Payment

Term

Monthly Payment¹

5.00%

5.806%

$267,000

25%

30 yrs

$1,074.99

Get the lowdown on the Valley’s most popular ‘hoods with our handy neighborhood guide.

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Our Phoenix homebuyer’s guide takes the worry out of finding and financing your new place.

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¹Participation in the Real Estate Broker Program is voluntary. Desert Financial Federal Credit Union and its wholly owned subsidiary Define Mortgage Solutions LLC do not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the services provided by Participating Brokers. To participate in this program, the member does not have to finance mortgage loan through Define Mortgage Solutions LLC. For full program details, see the Real Estate Broker Program Member Notice Acknowledgement.

Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, a wholly owned subsidiary of Desert Financial Federal Credit Union. BK#0949053

HOME IS WHERE YOUR STORY BEGINS

Start making memories with our home loan solutions.

LEARN MORE

Learn More

GET MY CUSTOM QUOTE

Get My Custom Quote

APPLY NOW

Start Now

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CONFORMING LOAN

CONFORMING LOAN

CONFORMING LOAN