Soak up this dry heat in a home of your own. We’ll be with you every step of the way — from application to closing.

Key Features

  • Competitive Rates
  • Refinancing Available
  • Local Underwriting
  • Flexible Terms
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  • Competitively low rates for home purchase or refinance
  • Available for primary residence, second homes, or vacation homes
  • A wide range of terms customized to your unique situation, from 10 to 30 years
  • MariSol works with partner Centennial Lending, LLC to process and service our first mortgages loan products
  • Choose from several financing programs:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • FHA Loans
    • VA Loans
  • Pre-approval available for extra confidence when it comes to securing financing  
  • Refinance your current home to potentially lower your rate
  • Home insurance available through TruStage
  • Local, Valley of the Sun decision-making and processing
  • Attentive, friendly service from your community credit union

For more information including the most recent rates, please contact our Lending Department at 602-252-6831 or email [email protected]. MariSol Federal Credit Union NMLS #799641.


For Purchase Only

Marisol is committed to helping low and moderate-income borrowers achieve their dream of home ownership. FHA, VA and conventional financing all have some form of mortgage insurance. Those insurance premiums go to an insurance company. OR, with a MariSol Pay Yourself Mortgage, those premium dollars are paid to you instead of private FHA mortgage insurance. Here’s how it works:

  • This is for homes in Maricopa County only.
  • Premium is .75% of the loan amount
  • Savings are collected monthly and put into a home savings account at MariSol
  • During the first five years, the savings account cannot be used by the borrower. In Year 6, 50% of the savings can be used for home improvements or a home insurance deductible.
  • No upfront premium
  • Loan Amounts up to $300,000, terms up to 30 years
  • LTV up to 97% – Borrower has to put 3% down.
  • Product works with down payment assistant programs. There are income limitations for qualification: Income must be under 150% of Average median income (AMI) for Maricopa County. 

This product is for borrowers under 150% of HUD Area Median Income (AMI). This chart can help you compare your annual income.

People in Household 80% 100% 120% 150%
1 Person Household $34,720 $43,400 $52,080 $65,100
2 Person Household $39,680 $49,600 $59,520 $74,400
3 Person Household $44,640 $55,800 $66,960 $83,700
4 Person Household $49,520 $61,900 $74,280 $92,850
5 Person Household $55,200 $69,000 $82,800 $103,500
6 Person Household $57,520 $71,900 $86,280 $107,850
7 Person Household $61,440 $76,800 $92,160 $115,200
8 Person Household $65,440 $81,800 $98,160 $122,700

You could be saving up to $427.96 a year on home insurance! Learn more about TruStage Home Insurance, or get a quote.

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