Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.
Couple holding new house keys.

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.

Get Started Here

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. 

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.

  • Up to 100% Financing Options Available*
  • 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)
  • 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.

Float Down Program
As part of our Home Loan program, we offer a one-time float-down1 of your rate after closing. This program offers peace of mind without the worry of refinance costs or credit checks. For full details on the program, give us a call at 520.396.1300.

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

Helpful Home Buying Tips 

*Home loans are subject to normal credit approval and acceptable loan to value. To qualify for 100% financing of the home’s appraised value, you must have a minimum credit score of 720, a maximum debt-to-income ratio of 43%, and a maximum loan amount of $647,200. Other home loan programs with different qualifying parameters are available. Membership required – based on eligibility.
1Float Down Program criteria is as follows: have made at least six payments on home loan; all payments have been made on time; have not previously requested a float down or other type of modification and have not requested any type of workout or forbearance plan; and, have had no bankruptcy filings after your original application date. No income documentation or credit check required. Maturity date stays the same. Will not have to establish a new Escrow Account. No refinance costs such as appraisal fees, title policy, escrow fees, or recording costs. A $500 modification fee must be paid prior to the rate float down being processed.