Local Experts,
Online Tools:Your Supportive Home Loan Partner
Credit Union Mortgage Loans: Local Insight, Competitive Options
- Apply and explore online – Start your application or compare loan options anytime, from wherever you are.
- Get personalized guidance – Our Arizona-based Mortgage Loan Originator tailor every detail to your goals.
- We Partner with HomeAdvantage Find the prefect agent or find the value in of your home and apply for a refinance.
NEW HOME LOANS & FIRST TIME HOMEBUYERS
Buying a home begins with selecting the right loan for your needs. Vantage West offers a variety of loan programs that take into account your goals.
At Vantage West, we’re here to make the process clear, confident, and centered on you. Our local team guides you through every step, from understanding what paperwork and information you’ll need to choosing the mortgage options that fit your goals. And you can get started right now, securely and conveniently, online. Because when you thrive, we all thrive.
Mortgage Programs
Buying a home begins with selecting the right loan for your needs
“This is an excellent Credit Union. Great service and a wonderful, well informed and friendly staff.“
–Pennu S.
Conventional
Adjustable Rate Mortgage (ARM)
Jumbo
HERO Home Loan Program
Physician/Professional Loan
Government Loans (FHA & VA)
40-Year Amortization Mortgage
Tucson Welcome Home Program
Home Buying Support
Mortgage Loan Options
The Online Mortgage Center makes it easy to compare loans, review current rates, and start your application whenever you’re ready. It’s designed to match your financial picture with the right products, giving you a clear view of what’s possible. No guesswork: just straightforward guidance toward your next step.
Home Loan Refinancing
A home loan refinance can help you adjust your mortgage to better fit your current financial goals. Whether you want a lower rate, a reduced monthly payment, or a loan type that suits your situation today, we can walk you through your options and help you take the next step.
Home Equity Loans (HELOC)
Leverage the Value of Your Home
Standard 10/10 HELOC
Standard 10/20 HELOC
Home Valuation Tool
Learn More About the Mortgage Process
knowledge is (buying) power
From pre-qualification to closing day, understanding the process helps you make informed decisions. Our detailed walkthrough gives you clarity on what happens when, and how to keep everything moving smoothly.
Frequently Asked Questions About Mortgage Loans
What do lenders look for when I apply for a home loan?
How does credit approval work for a mortgage or refinance?
Credit approval confirms you meet baseline lending requirements and helps lock in the best rate you’re eligible for. Vantage West reviews your full financial picture to give you clear guidance from the start.
How long does it take to close on a home loan?
Most home loans close in about 30 days, though timing can vary based on documentation and appraisal timelines. Staying responsive and prepared helps keep the process moving smoothly.
When should I consider refinancing my mortgage?
How do I know if a HELOC is right for me?
A HELOC may be a good fit if you want flexible access to home equity for projects, debt consolidation, or major expenses. It allows you to borrow what you need, when you need it, at competitive variable rates.
Will applying for a home loan or HELOC affect my credit?
Yes — all applications include a hard credit inquiry, which may cause a small, temporary dip in your score. Responsible borrowing and on-time payments typically strengthen your credit over time.
What happens if I still owe on my current mortgage when refinancing?
Your new loan pays off your existing mortgage automatically during closing. You’ll then begin making payments solely on the new loan with your updated terms.
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Disclosures
Mortgage loans are subject to credit approval and underwriting guidelines. Rates and terms are based on Loan to Value (LTV) and creditworthiness. Property used for collateral must be located in the State of Arizona. Down payment required. Certain restrictions, closing costs and fees may apply. Property insurance is required. Private Mortgage Insurance (PMI) and/or Flood Insurance may be required for some borrowers. Additional documentation may be requested and required. Additional restrictions and qualifications may apply. Mortgage options subject to change without notice.
Home Equity Loans (HELOC) rates are variable and are subject to change based on Prime Rate. Rates and terms are based on Loan to Value (LTV) and creditworthiness. Minimum credit line of $10,000. Property used for collateral must be located in Arizona. Certain restrictions and fees may apply. $50.00 annual fee. Property insurance is required. Closing costs are covered for credit lines up to $100,000. Loan must remain open for a minimum of 2 years to avoid repayment of origination fees and closing costs. Additional restrictions and qualifications may apply. Consult a tax advisor for tax deductibility guidelines. Loan options subject to change without notice.
For terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.
All loans are subject to approval. Certain restrictions may apply. Membership required. NMLS# 485751