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 lending@marisolcu.org. 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.
