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Home Loans

Home Sweet Home Loans

Pima Federal is your local, full-service home loan provider that makes the home buying process a pleasant one. Whether you’re buying a new home or refinancing your existing home, Pima Federal’s personal service and local decision-making provides convenience and peace of mind every step of the way. We offer a variety of mortgage products to ensure you choose the best option for your situation.

Purchase the home of your dreams or refinance using a conventional loan, government loan, jumbo loan, or one of our niche portfolio programs.

Take advantage of our limited-time closing bonus up to $1,500!*
On-time closings and simple application process.

Apply before August 31st to receive up to $1,500* at funding. Our personal service and local decision-making provides convenience and peace of mind every step of the way. Ready to apply?

Get Started Here

Buy a Home

We offer a variety of loan terms and rate options to meet your needs to finance single family homes, townhomes, condos, manufactured homes, and multi-unit residential homes.

  • 10/15/20/30 Year Conventional Mortgages
  • Down Payment Assistance Program
  • Home Ready
  • JUMBO Loans
  • COMBO Loans
  • Non-Owner Occupied/Investor
  • FHA/VA
  • Adjustable Rate Mortgages (ARM's)
  • Lot Loans
  • Construction Loans
  • Homebuyers Solution Program

Rate Lock Guarantee

Search for your perfect home with the peace of mind of a Rate Lock Guarantee! Your approval rate will be locked for up to 90 days while you house hunt. If rates happen to drop during the 90-day period, we’ll adjust your rate accordingly. For full details on the program, give us a call at 520.396.1300 or click here for Additional Terms and Conditions.

Simple Mortgage New

Our new Simple Mortgage product is the perfect solution for those looking for a more custom term and payment when considering a home loan refinance. Available terms range from 5 – 15 years with a minimum loan amount of $10,000. Plus, closing costs are covered by the credit union. If an appraisal is required (depending on the amount requested and loan to value), the member is responsible for covering that cost. Find out how this simplified home loan option can help save you time and money.

Refinance Your Home 

Already own the home of your dreams? Take advantage of Pima Federal’s low rates and low closing costs to reduce your monthly payment, reduce your term, or get cash out to maximize your investment. Refinancing could be a great way to improve your financial situation and at Pima Federal, the process is simple.

If you're considering to refinance your home - our mortgage refinance calculator can help you get started. 

 Mortgage Refinance Companies

A Team Dedicated to You 

We take the time to build long-term relationships. We work closely with you to understand your goals, and then create a strategy designed to make the most of your investment. 
If you're ready, you can apply online or contact us to pre-qualify at (520) 396-1300. For additional questions and to request an appointment with a member of our team, simply send in a request below. 

Helpful Home Buying Tips 

*Home Loans are subject to normal credit approval and acceptable loan to value. Offer valid on funded new home purchases and refinances from other financial institutions with an application date between April 1, 2021 and August 31, 2021. Refinance of internal PFCU loans do not qualify. Lender Credit will be applied toward closing costs and prepaid items at the time of loan closing as follows: Loan amounts $75,000 to $149,999 will receive a $500.00 credit; $150,000 to $249,999 will receive a $750.00 credit; $250,000 to $349,999 will receive a $1,000.00 credit; $350,000 and above will receive a $1,500.00 credit. The closing cost credit will not be valid on loans that are brokered to a third party, including all government loan programs. Limit one closing cost credit per household. Loan must be funded before September 30, 2021. Cannot be combined with any other offers. Membership required – based on eligibility. Pima Federal NMLS # 408885.