Home Loans - New & First
Whether you're buying your first home or upgrading to something bigger, turn to Azura for guidance during this exciting life-changing moment.
Making the mortgage process faster and easier.
Buying a home is certainly reason to celebrate, and we'd love to enjoy the moment with you. Our various mortgage options feature competitive rates and flexible terms to fit your budget and lifestyle. And you'll always receive local service. Just contact us directly for all your needs. No hotlines or holds. We're your neighbor ready to chat.
- Get pre-approved so you know how much you can borrow
- Choose from mortgages with fixed and adjustable rates
- Fewer and lower fees mean more money in your pocket
- Manage all your home loan details online
- Make monthly payments using convenient digital or in-person options
Fixed-Rate Mortgages
This is one of our most popular mortgages because the fixed interest rate allows you to budget with confidence. Your principal and interest payments remain the same for the loan's full term, providing more certainty for financial planning.
- 100% financing available
- Choose terms of 10, 15, 20 or 30 years
Adjustable-Rate Mortgages
An Azura ARM can help lift you into your dream home with a lower initial rate during the first 5, 7 or 10 years. Save money on interest payments during that time period to help make your home more affordable.
- Interest rate adjusts based on market conditions after initial period
- There is a cap on future rate increases
- Repayment terms up to 30 years
FHA Loans
Even if you don't qualify for a traditional mortgage, you can still live your homeownership dream with a loan backed by the Federal Housing Authority. We'll guide you through the application process so there's no need to deal with a government agency.
- Low down payments
- Low closing costs
- Easier credit qualifying
VA Loans
We're proud to assist the people who bravely serve our country. Government-backed VA Loans provide financial advantages for active duty personnel, veterans, reservists and some military spouses when purchasing a home or looking for refinance options.
- 100% financing available
- Limited closing costs
- No Private Mortgage Insurance (PMI) required
- Flexible credit standards
USDA Loans
Here's an affordable mortgage option when you're looking for more elbow room. Through the USDA Loan program, you can purchase a home in rural areas and certain suburbs if you qualify based on income.
- No down payment
- Flexible credit standards
- Lower PMI requirement
Azura's Home Loan Process
We've made things easier with a faster, more technologically advanced way to finance your home.
Rates and Options
Check the most updated loan rates and options before you start your application.
Pre-Approval & Application
In most cases, the pre-approval process is quick and easy. Please note, the information you provide on your application must be verified in the following steps to finalize the approval and underwriting process.
Financial Verification
We'll verify your information with documentation to confirm assets and income.
Final Loan Approval
This step involves underwriting your new home. Once we've reviewed this information, we'll give you a final approval then prepare your loan for closing.
Closing
We'll prepare the loan documents for you to sign and send them to an escrow company for signing. Once we receive the signed loan documents, we'll transfer the money to the escrow company. They will then disburse the loan and record the documents.
Welcome to your new home!
Resources
Your dreams deserve Above & Beyond solutions.
Like all major life decisions, there are a lot of options to consider while purchasing, refinancing, or upgrading your home.First Time Home Buying
We offer reliable financial resources for first time home buyers — giving you the tools you need to go Above & Beyond.
Purchasing a Home
Whether you are planning to upgrade, downsize, or flip a home, here are a few things to consider.
Owning a Home
There are a lot of responsibilities that come with owning a home. Learn more about paying off your mortgage, insuring your home, and more.
Selling a Home
Ready for a change of scenery? Selling your home is easier said than done, but careful research can help ensure that you're prepared for the financial impact.
Moving
Gathering boxes is the easy part. A big move can make a big impact on your finances. Not to worry, being prepared is the safest way to avoid a massive uh-oh moment.
Home Owners Insurance
Like all major life decisions, there are a lot of options to consider while purchasing a home. Learn more about the basics of home insurance.
Calculators
Use our free, purchase-related calculators to answer your home loan questions.
Loans subject to credit approval. Must be eligible for membership and open a share savings account to obtain a mortgage loan product. A $5 minimum balance is required to open and must be maintained in share savings account at all times. Annual Percentage Rate (APR) is determined by an evaluation of applicant credit at account opening. Approval and rate may vary based on credit history, LTV, and amount borrowed. Variable rates are subject to change after consummation of the loan. Fixed APRs are fixed for the life of the loan. Other restrictions may apply. Rates, terms and conditions are subject to change without notice. Azura Credit Union is an Equal Opportunity Lender. Contact Credit Union for details. Various types of mortgage loan programs and terms are available.
Real Stories from Real People
I've been a member since I was a child and have always gotten great service whenever I need anything. Recently, my husband and I found our perfect home. Crystal R. and her team were so helpful to work with during the purchasing/closing process. Documents were easy to read, sign, and return electronically and her communication with us was so great! This was our third mortgage or refinance with Azura and we have had top notch service with every one.
- P.H.
Azura Member