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	First Credit Union's low competitive rates help qualified borrowers afford a home, auto or business loan.

Buying or Refinancing?
Apply now with 1st Home Mortgages

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Home Loans

First Credit Union Home Loans

First Credit Union can help you become a homeowner. Whether you have owned a home before or are brand new to the mortgage process...we make owning your own home a reality.
See Loan Rates.

1st Home Mortgages

A First Credit Union mortgage offers a variety of terms with fixed and/or adjustable rates. We also offer construction loans and lot loans. We'll finance from $25,000 to $3 million for maximum buying power. Learn More

Home Equity Loans

First Credit Union offers special home equity loans designed to meet your needs. Whatever you need extra money for...a swimming pool...college education...major appliances... medical expenses...even bill consolidation...your credit union wants to help. The best thing is that interest payments on equity loans are usually tax deductible. Check with your tax advisor.

Requirements for home equity loans:

•	Arizona state residents only.
•	Single family dwellings only.
•	Primary residence, owner-occupied only. (Does not include land or mobile homes)
•	Homes with first mortgages with negative amortization are not eligible.
•	Homes with interest only first mortgages are not eligible.
•	Maximum loan to value 80% or less.

Fixed Rate Home Equity Loan

This is a closed-end loan, secured by the Deed of Trust on your home. The loan amount is disbursed to you in one lump sum. This closed-end loan has a fixed annual percentage rate. You can choose a repayment plan between two to fifteen years.

Requirements for fixed rate home equity loans:

•	Arizona state residents only.
•	Single family dwellings only.
•	Primary residence, owner-occupied only. (Does not include land or mobile homes)
•	Homes with first mortgages with negative amortization are not eligible.
•	Maximum loan to value 80% or less.
•	Homes with interest only first mortgages are not eligible.

Did You Know

First Credit Union also offers another option to take a step further to buying the home of your dreams, see Home Equity Line of Credit.

How to Apply

To begin your search for a home please follow these options:

•	Please fill out a Home Equity loan application at any branch.
•	We offer an online Home Equity loan application for your convenience. Please log into your account or choose the "non-member" button to continue the application. A First Credit Union representative will be contacting you on your recent Home Equity loan application.
•	For Home Mortgages please contact the Mortgage Department at (480)821-1000 or (800)732-6986.
•	We offer an online mortgage application for your convenience.