Home Loans

Ready to buy your first home – or move up to your next one? Real estate is coming back and interest rates are low. With a variety of loans, rates, and terms, we’ll make getting your home loan simple and affordable. Plus, you’ll work with an experienced home loan officer who will answer your questions and guide you through the mortgage process.

 Home Loans banner


Low closing costs and free appraisal1

With a Desert Schools home loan, there are no hidden fees or surprise charges. We’re happy to tell you about our low closing costs. And for a limited time, you’ll receive a credit of up to $500 toward your home appraisal fee. Consider it our housewarming gift to you.

Ready to apply now?

Thinking about refinancing your current mortgage?

apply_online Learn More
Lock in your low rate and take advantage of this special offer! You can apply by phone by calling (602) 433-HOME (4663) or apply in person at a branch. Did you know that people who refinance their mortgage with Desert Schools save an average of $260 per month? That’s over $3,000 per year!


Payments refi_rates
1Receive a free home appraisal (up to $500) on mortgage loans serviced by Desert Schools (additional exclusions may apply). Once an appraisal is requested by Desert Schools, members will be responsible for all related appraisal costs if they decide to cancel the mortgage loan application. If an application is declined by the Credit Union, Desert Schools will cover related appraisal costs up to $500. If an appraisal exceeds $500, the difference will be the responsibility of the member. Offer expires April 30, 2014.

Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union