Homebuying toolkit

BE THE SMARTEST BUYER ON THE BLOCK

Our HomeBuying Toolkit will give you the blueprints you need to plan for getting your next place.

If you are thinking about purchasing a home, then don’t spend your time searching all over the web for the answers to your questions. Use our HomeBuying Toolkit to cut through the clutter of the internet junk drawer and jump to the best part of the process — finding the right home for you! The toolkit has materials that will help you build a solid knowledge foundation. You can take a look at everything or only grab the specific pieces you need. Either way, you’ll soon move from searching for your perfect home to buying it.

Our HomeBuying Toolkit:






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The Phoenix-Area Homebuyer’s Guide

Find out all the details related to buying a home – whether it is your first time or you just need a refresher.

The Homebuying Pro’s “Things to Consider” Guide

Figure out how to establish what “make it” or “break it” things should be on your list when looking for your next home.

The Smart Homebuyer’s Guide to Greater Phoenix Neighborhoods

Use this guide to help you find the area that fits your lifestyle and budget.

Key Quest: The Path to Homeownership

Learn more about the steps in the Homebuying process with our exclusive game-inspired infographic.

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MORTGAGES
RATE
APR
POINTS
Portfolio 5/1 ARM
3.25%
4.158%
1.500%
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

Portfolio 5/1 ARM
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment
3.25%
4.158%
$267,000
25%
30 yrs
$871.50
Rates valid on September 20, 2019. 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.
Portfolio Jumbo 5/1 ARM
3.25%
4.102%
1.375%
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 5/1 ARM
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment
3.25%
4.102%
$625,000
25%
30 yrs
$2,040.03
Rates valid on September 20, 2019. 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.
15 Year Fixed Rate
3.25%
3.545%
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

15 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment
3.25%
3.545%
$267,000
25%
15 yrs
$1,407.09
Rates valid on September 20, 2019. 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
3.75%
3.938%
1.500%
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

30 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment
3.75%
3.938%
$267,000
25%
30 yrs
$927.39
Rates valid on September 20, 2019. 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.
FHA 30 Year Fixed
5.125%
5.957%
0.375%
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
5.125%
5.957%
$267,000
25%
30 yrs
$1,090.34
Rates valid on September 20, 2019. 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.

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