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HOME IS WHERE YOUR STORY BEGINS

Start making memories with our home loan solutions.

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

Call 602-433-HOME

APPLY NOW

Use our easy online application to apply for a home loan today.

Apply Now

Get prepared to purchase your next place with our HomeBuying Toolkit. It has all the materials you need to build a solid knowledge foundation.

You can:

Learn the details about the steps in the homebuying process,
Find the best neighborhood for you, and
Have fun as you go on your purchasing adventure with our game‑inspired infographic.

Get Started

Have Our Experts Call You!

Fill out the form below to start the homebuying process, and a mortgage specialist will contact you within 48 hours. You can also visit our Mortgage Loan Officers page if you prefer to work with a specific representative of your choice who will guide you through each step. Schedule an appointment today!

MORTGAGE PURCHASE

RATE

APR

POINTS

15 Year Fixed Rate

2.75%

2.931%

0.500%

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 Payment

2.75%

2.931%

$267,000

25%

15 yrs

$1,358.94

Rates valid on August 4, 2020. 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

2.875%

3.004%

0.875%

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 Payment

2.875%

3.004%

$267,000

25%

30 yrs

$830.82

FHA 30 Year Fixed

3.25%

3.995%

-0.875%

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 Payment

3.25%

3.995%

$267,000

25%

30 yrs

$871.50

Portfolio Jumbo 15 Year Fixed Rate

2.875%

3.032%

0.875%

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

Portfolio Jumbo 15 Year Fixed Rate

Interest Rate

APR

Purchase Price

Down Payment

Term

Monthly Payment

2.875%

3.032%

$800,000

25%

15 yrs

$4,107.51

Portfolio Jumbo 30 Year Fixed Rate

3.125%

3.222%

1.000%

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

Portfolio Jumbo 30 Year Fixed Rate

Interest Rate

APR

Purchase Price

Down Payment

Term

Monthly Payment

3.125%

3.222%

$800,000

25%

30 yrs

$2,570.25

Open menu for important rate and payment information.

Rates valid on August 4, 2020. 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% equity, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.

Questions? We’re here to help

Call (602) 433-4663

Find a Location

Schedule Appointment

ESTIMATE YOUR MONTHLY PAYMENT

Loan Amount:

Loan Term: Years

Interest Rate: %

Estimated Monthly Payment:

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Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed.

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

Find My Spot

Start on the path to your perfect pad with Desert Financial’s exclusive Key Quest game.

THE JOURNEY BEGINS

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

Learn More

The best free app to find your new home — with more updated listings than Zillow!

START MY SEARCH

¹Participation in the Real Estate Broker Program is voluntary. Desert Financial Credit Union and its 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 subsidiary of Desert Financial Credit Union. BK#0949053

²Grant money is limited and reserved on a first-come, first-serve basis. Must have an accepted purchase contract to reserve funds. Not all members will be eligible for down payment assistance. Must be a first-time homebuyer. Restrictions apply, including — but not limited to — income and creditworthiness. Ask a representative for more details.

HOME IS WHERE YOUR STORY BEGINS

Start making memories with our home loan solutions.

APPLY NOW

Have Our Experts Call You!

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Questions? We’re here to help

ESTIMATE YOUR MONTHLY PAYMENT