Home Lending Resources
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Purchase the Home of Your Dreams with 5 Easy Tips
January 30, 2018
Purchasing a home can be a complex process. Use these 5 tips to get started.
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Why Should I Get Prequalified for a Home Loan?
September 03, 2020
Learn what prequalification means and why it’s the best first step in purchasing a home.
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Do I Need to Work with a Real Estate Agent or Realtor?
October 16, 2020
When finding a new home, it’s important to partner with professionals who know your needs, care about your goals and can help you find your dream home
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What is a Home Equity Line of Credit (HELOC)?
April 28, 2021
What is a HELOC? This guide covers how to use a HELOC to tap into your home's equity for things like home improvements or consolidating debt.
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A Guide to Mortgage Options in Arizona
June 23, 2021
Ready to buy a home? Learn about the 6 types of mortgage options available when buying a home in Arizona in this ultimate guide.
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Home Remodel on Any Budget
June 23, 2021
Whether you’re starting small with a kitchen refresh or overhauling your entire house, check out these tips for making your home great on any budget.
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How Does a Home Equity Loan Work?
June 29, 2021
A home equity loan is a lump-sum installment loan guaranteed by the equity in your home.
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How to Get a Home Equity Loan
July 30, 2021
Before applying for a home equity loan, lenders will need to see you have equity in your current home.
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Mortgage Refinancing Basics. Is Refinancing Right for Me?
July 30, 2021
What if you could use your home to keep more of your hard-earned cash each month? Refinancing your home loan could be the answer.
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Use Our Cash-Out Refinance Calculator and Unlock Your Home’s Potential
June 23, 2021
A cash-out refinance calculator can help you see what your monthly payment and overall cost would look like with a cash-out refinance.
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First Time Homebuyer? Make Sure You’re Prepared For These 7 Hidden Costs
August 24, 2021
When budgeting for your first home, here are seven often overlooked costs that can have a big impact on your bottom line.
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How Much House Can I Afford? Mortgage Affordability Calculator
October 05, 2021
Use our Mortgage Affordability Calculator to determine how much house you can afford based on your take-home pay and monthly mortgage payment affordability.
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What is a Jumbo Mortgage Loan?
October 20, 2021
A jumbo mortgage, or jumbo loan, is used when a mortgage loan exceeds the conventional loan limits set by the FHFA for Fannie Mae or Freddie Mac.
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Top 7 Questions You Should Be Asking Your Mortgage Lender
October 20, 2021
Before sitting down with your mortgage lender, ask these questions to have a full and better understanding of how a mortgage works and what to expect.
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3 Reasons to Refinance Your Mortgage
January 20, 2022
You’ve likely heard talk about interest rates being at historic lows. You’re wondering if refinancing your current mortgage is the right move for you?
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What’s the Difference Between Pre-qualification, Pre-approval and a Mortgage Commitment Letter?
September 02, 2022
Getting pre-qualified, pre-approved or obtaining a mortgage commitment letter give you advantages when competing to purchase a home.
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4 Ways to Buy and Sell Your House at the Same Time
September 02, 2022
Getting pre-qualified, pre-approved or obtaining a mortgage commitment letter give you advantages when competing to purchase a home.
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Pros and Cons of an Adjustable-Rate Mortgage
September 02, 2022
An adjustable-rate mortgage – or an “ARM loan” - offers some serious benefits for Arizona homebuyers during times of higher interest rates.
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Mortgage Pre-Approval Checklist for Arizona
October 24, 2022
Getting pre-approved for a mortgage loan is one of the first steps in the homebuying process. Your mortgage pre-approval checklist includes ID, proof of income, proof of assets, proof of debt, proof of credit and more.
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Building a House vs Buying: Which is Your Best Option?
November 18, 2022
Deciding whether to build a house or buy a home in Arizona may not be as easy of a decision as it once was. We want to help you make the best choice.
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What are Closing Costs and How Much Will I Pay?
January 24, 2023
Closing costs are fees and expenses you pay when you secure your mortgage loan. They can include loan application fees, inspection fees, title fees, taxes and insurance.
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Affordable Housing Options Through OneAZ
May 01, 2023
OneAZ Credit Union assists homebuyers by offering low down payment options and down payment assistance through the WISH Program.
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How to Save for Your First Home
May 26, 2023
Saving for your first home starts with getting pre-qualified for a mortgage. Then you can set your savings goal and timeline, create a budget and automate your savings. Let’s dive in.
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Are You Ready for Home Ownership? Understanding Your Debt-to-Income Ratio
June 20, 2023
Lenders consider your debt-to-income (DTI) ratio when you apply for a mortgage loan to help them determine how much you’ll be qualified to borrow.
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How to Use a Construction Loan to Build Your Ideal Home
July 11, 2023
A construction loan can help you finance building a new house, renovation, or making an addition to your current home.
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Buying a House in Arizona: What to Know and How to Buy
August 08, 2023
To determine if you’re ready to buy a house in Arizona, understand how much you can afford and what home prices look like in different parts of the state.
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Are You Ready for Home Ownership? Features to Consider When Buying a House
August 15, 2023
While location is the most important feature to consider when buying a house, you’ll also want to think about maintenance needs, layout, size, yard, kitchen details and more.
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6 Types of Mortgage Loans in Arizona
September 12, 2023
Ready to buy a home? Learn about the 6 types of mortgage loans available when buying a home in Arizona in this ultimate guide.
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Are You Ready for Home Ownership? A First-Time Homebuyer's Guide to Real Estate Professionals
September 11, 2023
If this is your first time buying a home, get to know all the real estate professionals and key players who will be involved in your homebuying journey.
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How to Avoid Common Loan Denial Reasons and Get Approved
September 12, 2023
Poor credit history, high debt-to-income ratio, and insufficient income are a few of the most common loan denial reasons.
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Home Maintenance Checklist for First-Time Homebuyers: Costs and Expectations
September 27, 2020
When buying your first home, you’ll want to budget 1-4% of your home’s value for maintenance costs.
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Adjustable-Rate Mortgage (ARM) Pros and Cons
February 26, 2024
An adjustable-rate mortgage can offer a lower monthly home payment when interest rates are high.
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Are You Ready for Home Ownership? Upfront Costs to Be Aware Of
July 18, 2023
When saving for a home, factor in your down payment, earnest money, closing costs and moving expenses to create a realistic budget.
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Home Lending Videos
Check out more Home Lending articles below.
- Purchase the Home of Your Dreams with 5 Easy Tips
- Why Should I Get Prequalified for a Home Loan?
- Do I Need to Work with a Real Estate Agent or Realtor?
- What is a Home Equity Line of Credit (HELOC)?
- A Guide to Mortgage Options in Arizona
- Home Remodel on Any Budget
- How Does a Home Equity Loan Work?
- How to Get a Home Equity Loan
- Mortgage Refinancing Basics. Is Refinancing Right for Me?
- Use Our Cash-Out Refinance Calculator and Unlock Your Home’s Potential
- First Time Homebuyer? Make Sure You’re Prepared For These 7 Hidden Costs
- How Much House Can I Afford? Mortgage Affordability Calculator
- What is a Jumbo Mortgage Loan?
- Top 7 Questions You Should Be Asking Your Mortgage Lender
- 3 Reasons to Refinance Your Mortgage
- What’s the Difference Between Pre-qualification, Pre-approval and a Mortgage Commitment Letter?
- 4 Ways to Buy and Sell Your House at the Same Time
- Pros and Cons of an Adjustable-Rate Mortgage
- Mortgage Pre-Approval Checklist for Arizona
- Building a House vs Buying: Which is Your Best Option?
- What are Closing Costs and How Much Will I Pay?
- Affordable Housing Options Through OneAZ
- How to Save for Your First Home
- Are You Ready for Home Ownership? Understanding Your Debt-to-Income Ratio
- How to Use a Construction Loan to Build Your Ideal Home
- Buying a House in Arizona: What to Know and How to Buy
- Are You Ready for Home Ownership? Features to Consider When Buying a House
- 6 Types of Mortgage Loans in Arizona
- Are You Ready for Home Ownership? A First-Time Homebuyer's Guide to Real Estate Professionals
- How to Avoid Common Loan Denial Reasons and Get Approved
- Home Maintenance Checklist for First-Time Homebuyers: Costs and Expectations
- Adjustable-Rate Mortgage (ARM) Pros and Cons
- Are You Ready for Home Ownership? Upfront Costs to Be Aware Of
