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Credit Union West
Routing Number: 322172153
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Home Borrowing/Mortgages Home Loans

Home Loans

Take 1% off your rate for a limited time. 

Purchase or refinance, with 1% off your rate. 


A full percent off your mortgage rate can mean thousands of dollars saved over the life of your loan. For a limited time, Credit Union West is offering 1% off mortgage rates on primary residences – whether you’re purchasing a new home or refinancing the one you love.

Lower rates result in lower payments, opening the door to greater financial flexibility and peace of mind, which provides more freedom to focus on your life, your family, and your future. Our friendly mortgage team is ready to walk you through the process and help you lock in this special offer.
 

See Your Instant Offers

See if you pre-qualify without impacting your credit score.
 
 
 
1. Check Your Offers 2. Pick What Works for You 3. Wrap It Up Online or In Person
See what you qualify for in just a few minutes.  Choose the loan that fits your needs and budget.  Finalize your loan your way, with support when you need it. 
 
Ready to see your options? Get your instant offer in minutes!
 
 
NMLS #410357
What 1% Means for You
 
  • Lower monthly payments. Keep more money in your pocket each month to cover the things that matter most.
  • Long-term savings. Over the life of your loan, a single percent off can add up to tens of thousands of dollars.
  • Financial breathing room. Use your savings to tackle projects, build a safety net, or invest in your future.

 

Your Path to Homeownership, Simplified


Buying or refinancing a home doesn’t need to feel overwhelming. At Credit Union West, our mortgage specialists take the time to answer your questions, explain your options clearly, and help you make the decision that feels right for you. From application to closing, we’ll guide you every step of the way.

 

Featured Rates1

10/24/2025 rates as low as... 

 ARM
 CONVENTIONAL
 VA FHA
 Jumbo
Interest Rate
5.750%
5.875%
5.125%
4.375%
4.875%
4.990%
5.250%
5.250%
4.875%
Term 5/1 ARM 7/1 ARM 15 Year 20 Year 30 Year 15 Year 30 Year 30 Year 30 Year
Points 0  0  .75  .875 .75 1.75 1.875 1.75 .75
APR2 5.871% 5.997% 5.442 % 4.633% 5.057% 5.728% 5.697% 5.529% 4.970% 
Payment $1167  $1167  $1595  $1252 $1058 $1581 $1104 $1104 $4234

Choose The Loan That's Right For You

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Adjustable Rate Mortgage

 Fixed-rate on your initial term of five or seven years with an adjustable rate each following year. 

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Conventional

Guaranteed fixed interest rate and payment over the life of your loan.

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Jumbo Loan

When a conventional mortgage isn't enough, a Jumbo home loan can help make your dream home a reality.
 

 

Down Payment Assistance Program:



Saving for a down payment can be challenging for many first-time homebuyers. With our Down Payment Assistance Program, we aim to help low to moderate income earning families make their dream of owning a home a reality.
LOW-INCOME BORROWERS
Qualified homebuyers may receive a grant to use towards their down payment and closing cost. Funds are matched 4-to-1 up to $32,000.3 No repayment is due if you stay in your home for 5 years.4
MIDDLE-INCOME BORROWERS
Funds for the Middle-Income program have been depleted for 2025. Please check back next year or give us a call for additional options.
 
Program Requirements:
  • For first-time homebuyers or 3+ years since a home ownership5
  • Meet income eligibility6
  • Credit score of 620 or above7
  • Occupy the home as your primary residence
  • Complete an approved homebuyer counseling program before  loan closing
Apply for a Home Loan and we will evaluate if you qualify for the Down Payment Assistance Program!


HUD Counseling Options

Contact one of our real estate experts today!

 
Keri Brandon
Mortgage Loan Originator
NMLS# 863616
602.631.3255
 
 
Daniel Valenzuela
Mortgage Loan Originator
NMLS# 1473425
602.631.3237
 


 

Additional Loan Options

First Time Homebuyers

As a first-time buyer, you need an experienced partner who has your back.

VA Loans

Partner with a credit union that has strong military ties who knows your qualification options.

Hometown Heroes

For educators, first responders, active military, medical professionals, and government employees 

Get Instant Answers

An adjustable rate mortgage, also called an ARM, is a home loan with an interest rate that adjusts periodically based on a pre-determined term.

The numbers in an ARM represent years. The first number refers to how long the initial fixed-rate period will be. The second number tells how often the mortgage rate can adjust thereafter.

For example, a 5/1 ARM has a fixed interest rate for the first 5 years of the loan and an adjustable interest rate each year for the remainder of its loan term.
During the prequalification process, you'll be asked to provide documentation verifying your income, job stability, and other credit factors. This will help us determine your mortgage rate and the maximum amount we may lend to you. It will also allow us to estimate your monthly payment before you purchase your new home.

In order to prequalify for your mortgage application, we may request the following documents: 
  • 2 most recent pay check stubs
  • 2 years W2(s) or 1099(2)
  • 2 most recent bank statements
  • Social Security award letter (if applicable)
  • Pension statement (if applicable)
  • 401K or retirement statements
  • Homeowners insurance agent contact information
The Down Payment Assistance Program offers grants to qualified first-time homebuyers to use toward their down payment and closing costs. Depending on the borrower's income, funds are matched 4-to-1 (up to $30,806) or a subsidy up to $50,000 is given to qualified homebuyers.3

To qualify for our Down Payment Assistance Program, homebuyers must:
  • Be a first-time homebuyer or haven't owned a home in the past three years5
  • At or below 80% of the HUD area median income for "Low Income Borrowers" or between 80%-140% of the HUD area median income for “Middle-income Borrowers.”5
  • Meet required credit qualifications including obtaining a credit score of 620 or above7
  • Complete an approved homeowner counseling course
  • Open escrow within 1 year of program enrollment
Apply for a Home Loan and we will evaluate if you qualify for the Down Payment Assistance Program.
For the Low-Income Borrowers program. no payments toward the grant are due as long as the homeowner resides in the home and they honor the terms of the grant and loan for a minimum of five years.
 
The amount owed will decrease by 20% for each year you retain homeownership of the property as your primary residence. After five years, the grant is forgiven and the lien is released from the property. If the property is sold or refinanced before the end of the five-year period, the matched funds must be repaid on a pro-rated basis.
 
For the Middle-Income Borrowers program. no repayment of the subsidy is due at any time.
The Down Payment Assistance Program for low income borrowers offers grants that match your initial contributions 4-to-1, up to the annual maximum subsidy limit.3 This means for every $1 you contribute, you could qualify for an additional $4 in grant funds to be used for your down payment and/or closing costs.

For example, if the borrower qualifies for the maximum subsidy:
  • Borrower contributes to down payment: $7,500
  • Amount of money that is matched: $30,000
  • Total amount available for home purchase: $37,500

Apply for a Home Loan and we will evaluate if you qualify for the Down Payment Assistance Program.









*Limited-Time Offer: 1.00% Rate Discount on published Fannie Mae Rates after applicable Loan Level Price Adjustments are applied. Interest rate discount is available on purchase and refinance loans. Discount. Credit Union West’s rates are determined daily upon receipt of Fannie Mae Best Efforts 60 day lock loan rates. Rates are based on 30-year or 20-year mortgage. Certain restrictions apply. To qualify for the 1.00% rate discount, you must be qualified for financing by Credit Union West’s portfolio loan standards. The offer does not apply to loans sold on the secondary market or for FHA, VA, or USDA mortgages.
Terms & Conditions & Eligibility: Available only for conventional or JUMBO conforming loans underwritten to Credit Union West portfolio guidelines. Borrowers must meet credit, income, and property requirements. Rate Lock: The discounted rate must be locked within 90 days of receipt of the application for qualified applicants. Special loan financing programs are ineligible, these include Hometown Heroes 100% LTV mortgages and ITIN mortgages.
Other Costs: Unless otherwise specified, this promotion does not apply to origination fees, closing costs, or discount points. Borrowers remain responsible for standard closing costs. Example: If the Fannie Mae published rate is 7.00%, and you qualify for the 1.00% rate discount, your discounted rate would be 6.00%.
APR Disclosure: Your Annual Percentage Rate (APR) may vary based on your specific loan terms, loan amount, credit profile, and closing costs. For instance, if you take out a $300,000 loan, 30-year term with 20% down, at an interest rate of 6.00%, and your total closing costs amount to $5,000, your APR might be approximately 6.15%. Monthly payments would be approximately $1,798.65, not including taxes and insurance, increasing the actual payment obligation. This calculation includes the interest rate and any additional fees or costs associated with the loan.
Additional Disclosures: Offer subject to change or withdrawal at any time without notice. This promotion cannot be combined with other rate promotions or lender credits. All loans are subject to credit approval and standard underwriting guidelines. This promotion is not a commitment to lend. Please refer to your official Loan Estimate (LE) and Closing Disclosure (CD) for final rate, terms, and fees.
Must be a current member in good standing to be eligible. Pre-qualifications are valid for 120 days. Certain ongoing credit underwriting standards will apply. Must be at least 18 years old to apply. Your actual term and payment will be provided upon acceptance of a Credit Union West loan.

 

1 Rate and Payment quotes for ARM, Conventional, FHA, and VA loans are based upon the rate assumption of a $200,000 loan amount and 40% down payment (net equity). Rate and Payment quotes for Jumbo loans are based upon the rate assumption of a $800,000 loan amount and 40% down payment (net equity). Rates, Payments and/or Fees may be higher based upon your credit score, LTV (loan to value), and purpose. The rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate.
2 APR = Annual Percentage Rate.
3 Must qualify. Subject to credit approval, program availability, terms and conditions. Restrictions apply. Limited time and while supplies last. Down payment percentage is calculated as the difference between the lesser of the purchase price or appraised value of the home and loan amount. Grant amount dependent on borrower contribution. “Low-income Borrowers” will receive a maximum match amount of $32,000. “Middle-Income Borrowers” will receive a maximum amount of $50,000 with a minimum down payment of $10,000.00. Enrollment in the Down Payment Assistance Program is not a guarantee to the homebuyer of receipt of funds. The grant recipients must sign a Promissory Note, Deed of Trust and Rider to the Deed of Trust.
4There will be a lien placed against the subject property for the amount of the grant that will remain on the property for five years. The amount owed will decrease by 20% for each year the borrower retains homeownership of the property as their primary residence. No payments toward the grant are due as long as the homebuyer resides in the property and abides by the terms of the grant and the loan. After five 5 years, the grant is forgiven and the lien is released from the property. The grant must be paid back if the property is sold or refinanced.
5 Must be 18 years of age or older and earning a wage. Property must be located in Arizona. Restrictions and further qualifications apply. Contact Credit Union West for full first-time homebuyer qualifications.
6Annual income limit is combined household annual income. Annual income is determined at the time of enrollment in the Down Payment Assistance Program and based on income eligibility guidelines published by Federal Home Loan Bank of San Francisco. “Low-income Borrowers” is at or below 80% of the HUD area median income of current residence. “Middle-income Borrowers” is between 80%-140% of the HUD area median income of current residence.
7Loans subject to program, credit, and collateral approval. Must qualify as a Credit Union West member. Restrictions may apply. Programs, rates, restrictions, terms and conditions are subject to change without notice