Home4Less

When most people think about purchasing a home, they assess whether they have enough money for a down payment and can afford the monthly mortgage payment. Costs of buying a home can run thousands of dollars – making the dream of purchasing a home just that – a dream!

That’s where Arizona Central’s Home4Less mortgage rebate program can help! If you live in Maricopa County, we are now offering a non-conventional way to make your home a reality! If you purchase your home through our network of realtors and title companies that we have partnered with, we can significantly reduce your closing costs with our “cash at closing” mortgage rebate program. This rebate will be applied directly towards closing and other transaction costs that you will incur. Combine that with our no down payment options and consideration of any prior credit issues, making this the perfect time to make your dream of home ownership a reality! Selling your current home as well? Get the same rebate!

Here’s what you will receive*:

• Up to $500 credit towards appraisal at closing.
• Your realtor will gift a percentage of their commission that they receive from the seller towards your closing.
• Your approved title company will discount your escrow fee.

It’s simple.

• Reach out to one of the realtors in our network of partners (below).
• Choose a title company that you will use throughout your purchase process.
• Let your Arizona Central mortgage loan officer know as soon as possible which realtor and title company you are working with.

Let’s put this into perspective shall we? So you can gain an appreciation for the savings you will receive:

• On a $250,000 purchase price, you could save over $1,500.
• On a $300,000 purchase price, it could be over $1,800.
• And the savings go up from there! The higher the purchase price, the more cash towards closing that you receive!

For current mortgage rates, call (602) 264-6421 ext. 8189 or toll free at or toll free at (866) 264-6421 ext. 8189.

Jannan Tomou, Prestige Realty
janthomesales@gmail.com
(623) 297-4110

Megan Brown, Home Smart
yourvalleyagentsaz@gmail.com
(602) 499-3534

Paula Hanna
Paula.hanna@ltic.com
623-979-6060

Liza Vasquez
Liza.Vasquez@Ltaz.com
(602) 775-5990

*Applicant must enroll in HOME4LESS by notifying their Arizona Central Credit Union Mortgage Loan Officer at time of application. Applicant must use a participating real estate agent and title company from the HOME4LESS network in order to receive the credit-back benefit. The credit-back benefit must go toward closing costs and will be outlined on the Mortgage Closing Disclosure. Credit-back benefit is subject to underwriting guidelines. Credit-back benefit consists of up to 20% of the participating real estate agent’s commission, a discount on title fees, and up to $475 reimbursement on appraisal. The amount the borrower will receive is dependent on the purchase price of the home, commissions earned by the realtor, and the mortgage program’s limits on “interested party contributions.” Appraisal fee may be higher depending on property types. Appraisal fee will be paid by member at time of appraisal and will be reimbursed at the time of loan funding with Arizona Central Credit Union. Additional restrictions may apply. This offer may be combined with other Arizona Central Credit Union offers and promotions. If the property is sold or refinanced, the credit-back toward closing costs will not need to be paid back. This offer may be changed or revoked at any time. Business loans and home equity loans do not qualify.