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Arizona home loans you’ll love

Buy, refinance or renovate your home with local service and great rates.

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15-year fixed as low as¹
30-year fixed as low as¹
5/6 ARM as low as¹
Jumbo 30-year fixed as low as¹
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The service you deserve

Great rates
As a credit union, we’re proud to offer you competitive rates and flexible loan terms.
Local service
Home loans are managed in-house, which means fast, attentive service for you!
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Closing cost perks
Enjoy waived HELOC closing costs¹ or get up to $5,000 toward your mortgage closing costs with the Real Estate Broker Program.²

What borrowers are saying

"Kim was easy to work with, answered my questions and went the extra mile to meet my needs."
Glenda W.
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Get more from your mortgage

More closing cost credit. More competitive rates. More local loan servicing.

New homeowners celebrate in their kitchen, surrounded by unpacked boxes. Husband joyfully lifts his wife in a warm embrace, marking a moment of happiness in their first home together.

Buying your first home?

Get a no down payment mortgage with the First-Time Homebuyer Program!

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Refinance with confidence

You could save money every month with a lower mortgage rate.

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Get extra cash with a HELOC

Utilize the equity in your home, condo, townhome, vacation home or investment property.

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Mortgage payment assistance

Struggling to make mortgage payments? Learn about programs that can help you get back on track.

FAQs about home loans

What’s the difference between a HELOC and a mortgage refinance?

When you refinance your mortgage, you replace your old mortgage loan with a new one. The new loan will be under new terms – meaning the rate, balance and repayment term can change. There are several reasons why refinancing your mortgage could make sense, including lowering the interest rate, adding or remove someone’s name from the loan or cashing out some of your equity. If you choose to cash out equity with a mortgage refinance, you receive a lump sum once your loan closes.

When you use a HELOC to access your home’s equity, the new loan is separate from your first mortgage; it’s a second loan – and second lien – on your property. Unlike a mortgage refinance, a HELOC is an open line of credit with a specified limit and has separate terms from your first mortgage. You can draw funds from your HELOC, pay it off and draw more as you wish throughout a specified period, typically 10 years.

What credit score do I need to qualify?

The credit score requirements vary from lender to lender and depend on several factors, like the type of loan, property type, loan purpose and loan-to-value. Typically, qualifying for a HELOC or cash-out refinance will require a higher credit score than a no cash-out mortgage refinance. A good rule of thumb for a mortgage refinance is a minimum credit score of 620 for a conventional loan and 580 for an FHA loan. For a HELOC or cash-out mortgage refinance, it’s closer to 680 or 700. 

How long does it take to close on my HELOC or mortgage refinance?

In most cases, mortgage refinances and HELOCs can close in 30 days or less. 

Why choose a credit union over a bank or mortgage broker?

Because credit unions are not-for-profit organizations, they typically offer lower rates and fees than banks and brokers. Credit unions are also known for offering unique loan programs, especially for first-time homebuyers and jumbo loans. Many credit unions also service their own loans, which adds a level of convenience and gives you peace of mind knowing you can make mortgage payments directly to them.  

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Desert Financial Credit Union NMLS ID #509455


Annual Percentage Rate (APR) shown effective {current-date} and is subject to change without notice. Visit our rates page for additional rate information and details. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.


Real Estate Broker Program: Members participating in this program will be matched 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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