Tucson Home Loans

TOPCU is proud to have partnered with Centennial Lending, a credit union-owned service corporation. Centennial serves as the processor and servicer for TOPCU mortgage loans. And, while the online application is processed through Centennial, TOPCU is still here to help you along the way.

Current Centennial Mortgage Rates

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RATES

MECHANICAL REPAIR COVERAGE

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Home Loan Rates

Type/Term	APR as low as	Payment per $1,000 Borrowed**
First Mortgages	Centennial Lending

APR = Annual Percentage Rate. *Subject to credit approval. **Based on up to 60% Loan To Value (LTV) and first lien position. Minimum payment is lessor of $50 or balance owed. Applicant responsible for all fees. Fixed-Rate Home Equity Loan monthly payment estimate based on 10-year term. Variable-Rate Home Equity Line of Credit monthly payment based on 10-year term. Rates are current as of July 19th, 2022. Average total costs- $465-990, Application Fee- $60 Flood Determination- $15 Tax Tracking- $85 Title Policy and Recording- Average $130 Exterior Evaluation- Average $175 Full Appraisal- Average $600-700. Rate increases are capped at 2% per year, with a maximum increase of 5% above the initial rate over the term of the loan. For example, if the initial rate is 4.25%, the maximum rate would cap at 9.25%. Rates are subject to change without notice.

First Mortgages
Fixed-Rate Second Mortgages
Commercial Real Estate

Contact us at (520) 881-6262, ext. 702 to learn more.

We know that buying a home is one of the biggest financial decisions of your life!

We are here to help with friendly, knowledgeable service and a variety of products designed to help you achieve the dream of home ownership. We’ve assembled a team of lending specialists who can walk you through each step of the home loan process with confidence and ease.

Make an appointment

Features & Benefits

No application fee
Free pre-approval on your loan
Competitive, fixed interest rates
Participating credit unions set their own rates
First Time Home Buyers
Mortgage insurance not required
Free rate locks
Property must be located in Pima County, AZ

Tucson Welcome Home

In a groundbreaking initiative to ease the path to homeownership for aspiring buyers, the GoWest Credit Union AssociationThis link will trigger a popup message. has joined forces with six Tucson area credit unions to introduce a $0 down payment program.

While this is a collaborative effort to introduce a zero down payment assistance program, each credit union will participate in a slightly different way. Three credit unions, Vantage West Credit UnionThis link will trigger a popup message., Tucson Federal Credit UnionThis link will trigger a popup message. and Pima Federal Credit UnionThis link will trigger a popup message., will provide funding, while the other three, Hughes Federal Credit Union, Tucson Old Pueblo Federal Credit Union and Pyramid Federal Credit Union, will focus on promoting this worthwhile cause to the public.

As not-for-profit financial cooperatives, local credit unions are committed to serving their communities by offering affordable and accessible financial solutions. The $0 down payment program reflects their dedication to creating homeownership opportunities, particularly for those who may struggle to save for a down payment. The originating and participating credit unions are committed to serving their communities by offering affordable and accessible financial solutions, and this reflects their dedication to creating opportunities for home ownership, particularly for those who may struggle to save for a down payment.

In addition to financial assistance, educational workshops and resources will be available to help buyers understand the responsibilities of home ownership, budgeting, and maintaining a healthy financial profile.

Fixed-Rate Second Mortgages

A second mortgage, also known as a home equity loan, is secured by the home or property. There can be various reasons to take out a second mortgage, such as paying off debts, financing home improvements, or college expenses. TOPCU’s second mortgages have a fixed rate and repayment schedule.

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SAFE ACT Disclosure

In accordance with the Secure And Fair Enforcement for Mortgage Licensing Act (S.A.F.E. ACT) please find the list of registered Mortgage Loan Originators with their unique identifiers:

Tucson Old Pueblo Credit Union NMLS # 441750

Tucson Old Pueblo Credit Union

NMLS # 441750

NMLS ID	First Name	Last Name
1975939	Anthony	Franco
2362342	Daniel	Garcia
1972606	Angelica	Burruel-Elias
936085	Ricky	De La Riva
144447	Heber	Garcia
2420582	Nicholas	Stevens
2141898	Robin	Allshouse