Applying for a Mortgage

APPLYING FOR A MORTGAGE

TruWest believes you deserve a convenient, flexible way to apply for your mortgage loan. Simply hop over to our online mortgage application today. You can fill it out at your own pace from the comfort of your own home. In fact, if you are pulled away from your computer by the kids, your friends or just life, that's ok. Our system lets you begin the application, save it and return multiple times-making the process less hectic, more helpful. 

After submitting your application, a TruWest mortgage professional will contact you to discuss your options. In the meantime, go ahead and smile knowing that you can count on the following:

  • No points
  • No origination fees
  • Low interest rates
  • Inexpensive closing costs
  • Exceptional service

Follow these simple steps to get started on your online mortgage application today:


Step 1: Agree to the Fine Print (Required)

We may be fast and easy to work with, but we still have fine print.
 
Please read and agree to the Terms and Conditions, Privacy Notice and Electronic Disclosure to begin.

Apply Now

Step 2: Review These Resources (Recommended but not required)

Knowledge is power. We invite you to review these resources or print the guides for reference later:

  •  
  •   Buying Your Home Guide from U.S. Department of Housing and Urban Development and Federal Housing Administration
  •  
  • Looking for the Best Mortgage Guide from U.S. Department of Housing and Urban Development 
TERMS AND CONDITIONS OF YOUR USE OF THIS SITE
TruWest Credit Union ("We" and "Us") offers this web site ("Site") to you ("You") as a convenience and the use of this Site is conditioned upon your acceptance without modification of the terms and conditions as set forth herein. If You agree with the terms and conditions as set forth herein, please click OK. Your use of this Site shall be construed as Your acceptance of these terms and conditions. If You do not desire to accept these terms and conditions, please exit this Site.

Disclaimer
We make reasonable attempts to provide information and/or software via this Site, which is accurate and safe for download. However, We make no warranties with respect to this Site and the information, software, products or services set forth hereon or obtained hereby ("Content"). This Site and the Content is provided "AS IS". You use this Site and the Content at your own risk and expressly waive any and all warranties of any kind, including, but not limited to, warranties of merchantability, title and non-infringement. You disclaim any right or action in connection with your use of this Site. We shall not be liable for any direct or indirect incidental, special, punitive or consequential damages that may arise as a result of or in connection with your use of this Site or the Content or with your inability or delay in use of this Site or the Content and/or the purchase of any product or service through this Site, including, without limitation, computer failures or malfunction, even in the event We are advised of the possibility of such liability. You agree to indemnify and hold Us harmless from any and all liability including any costs, fees or expenses from an attorney or otherwise arising out of or in connection with your use of this Site or the Content or your inability or delay in use of this Site or the Content.

Products and Services
We reserve the right to modify and/or discontinue any of the products and/or services available on this site, at any time, without notice.

Other Web sites
For your convenience, We have included links to various web sites and other information outside of this Site. These links are provided as a convenience and shall not be deemed an endorsement of any product or service that may be provided on such other web sites. Once you leave this Site, We cannot control your security and privacy and you should review the terms and conditions as well as the privacy notices contained on those web sites you link to. We do not warrant any product or service on such web sites. To the maximum extent permitted by applicable law, you agree to indemnify and hold Us harmless from any liability for direct, indirect, special, incidental, consequential or punitive damages or losses, including, without limitation, computer failures or malfunction, arising out of your use and/or purchase of any product or service offered through such other web site, even in the event We are advised of the possibility of such liability.


Security
Although We exercise efforts to ensure the security of this Site, We cannot guarantee there will never be a breach of such security. As a result, we cannot guarantee that this Site will be free from viruses and/or access by an unauthorized person. Electronic mail is an inherently insecure method of communication because it travels via the Internet. Please do not email personal information to Us. Any email received by Us may be used by Us for any purpose whatsoever without compensation to the contributor.

Arbitration Any claim or dispute arising out of or relating to this Site or the Content shall be subject to and conclusively settled by arbitration. If a dispute arises out of or relates to the Site or the Content, and if said dispute cannot be settled through direct discussions, the parties agree that any controversy or claim arising out of or relating to the Site or the Content, or involving the construction or application of any of the terms, covenants or conditions of this Agreement, will upon the written request of one party served on the other, be settled by arbitration to be held in the metropolitan region where We are located in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.


LOAN APPLICATION
You may submit an application for various loan products through this Site. Nothing, however, contained on this Site shall be construed as an approval of such application. You will be notified of your approval status subsequent to your submitting a complete loan application. Any personal information submitted to Us via the application process shall be used solely for the purpose of processing the application. We will not use or distribute this information for any other purposes.

In accordance with Federal Law, We must provide you with certain disclosures regarding using your home as collateral for the repayment of the funds for which you are applying. Prior to submitting an application, We require that you agree to receive these disclosures electronically. You should read these disclosures carefully and retain a paper copy or an electronic copy of the disclosures for your reference and safekeeping. You will also be able to access these disclosures on this Site at any time. Your submission of an application on this Site shall constitute your consent to receive these disclosures electronically. Please inform us immediately if your electronic or US postal mail address changes. You can contact Us to inform Us of such changes by telephone at 1.855.TRUWEST (878.9378) or by mail at the address below.

You may request a paper copy of these disclosures at anytime by writing to Us at: TruWest Credit Union 1667 N. Priest Drive Tempe, AZ 85281 Attention: Mortgage Loans There is no additional charge to receive a paper copy of these disclosures. You may withdraw your consent to receive these disclosures electronically within three (3) days of your submission of the application.

In order to access, receive and retain these disclosures electronically, you will need the following software and hardware: Internet Explorer 4.0 or above, Netscape Navigator 4.0 or above or another such equivalent software permitting access to the Internet, along with a computer capable of running such software. If these software or hardware requirements change, We will provide you with prior written notice of the change and the opportunity to withdraw your consent via electronic mail. Your submission of an application shall constitute your acknowledgment that you have access to the software and hardware necessary to receive via electronic means these disclosures and notice of any changes to the software and hardware requirements.

Intellectual Property
Unless otherwise expressly set forth on this site, the content, including the text, logos, images, icons and other graphics, is the property of Us, our affiliates and/or their respective licensors. The proprietary rights of such parties are protected by copyright, patent, trademark or other applicable intellectual property laws. You may not use or distribute Content to derive commercial gain. You may download and/or print a hard copy of the Content for your personal reference provided you do not delete or modify any copyright, trademark or similar mark from the Content.

Privacy
Your privacy is a top priority for Us. We will not share the information you provide to Us through this Site except in order to process Your request to Us. For additional information on our Privacy Policy please click here. Once you have submitted your application, you may access this Site to determine the status of your application. To do this, we will ask you to provide Us with a password. This password allows for access to your personal information. You should not share this password with anyone.

Cookies
A cookie is a piece of electronic information that is stored on your browser so that when you make subsequent visits to the web site, the browser remembers your preferences and relays that information back to the server. A cookie cannot access your hard drive or any other information about you that has not been revealed through your on-line experience.


PRIVACY NOTICE
TruWest Credit Union is committed to protecting the privacy of its customers. In the course of providing services to you, we collect nonpublic personal information about you. The purpose of this notice is to inform you of our Privacy Policy. If you have any questions after reading this notice, please contact us at 1.855.TRUWEST (878.9378).

Information We Collect About You and Disclose to Others
We collect information about you from the following sources:
  • Information we receive from you on applications and other forms or from others to verify your information on applications or other forms, whether on-line or in person;
  • Information about your transactions with us, our affiliate or others; and
  • Information we receive from a credit-reporting agency.
We do not disclose nonpublic personal information about our customers and former customers to anyone, except as permitted by law.

Parties Who Receive Information from Us
In order that we may provide customers with competitive products and services, we may disclose all of the information we collect, as described above, to the following third parties:

  • Our affiliate(s), such as Preferred Partner Credit Unions;
  • Financial service providers with whom we have joint marketing agreements, such as those that provide securities, insurance and mortgage services;
  • Non-financial companies, such as consumer reporting agencies; and
  • Companies that perform marketing or other services on our behalf.
How We Protect Your Information
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information.


ELECTRONIC DISCLOSURE
You may submit an application for various loan products through this Site. Nothing, however, contained on this Site shall be construed as an approval of such application. You will be notified of your approval status subsequent to your submitting a complete loan application. Any personal information submitted to Us via the application process shall be used solely for the purpose of processing the application. We will not use or distribute this information for any other purposes.

In accordance with Federal Law, We must provide you with certain disclosures regarding using your home as collateral for the repayment of the funds for which you are applying. Prior to submitting an application, We require that you agree to receive these disclosures electronically. You should read these disclosures carefully and retain a paper copy or an electronic copy of the disclosures for your reference and safekeeping. You will also be able to access these disclosures on this Site at any time. Your submission of an application on this Site shall constitute your consent to receive these disclosures electronically. Please inform us immediately if your electronic or US postal mail address changes. You can contact Us to inform Us of such changes by telephone at 1.855.TRUWEST (878.9378) or by mail at the address below.

You may request a paper copy of these disclosures at anytime by writing to Us at: TruWest Credit Union 1667 N. Priest Drive Tempe, AZ 85281 Attention: Mortgage Loans There is no additional charge to receive a paper copy of these disclosures. You may withdraw your consent to receive these disclosures electronically within three (3) days of your submission of the application.

In order to access, receive and retain these disclosures electronically, you will need the following software and hardware: Internet Explorer 4.0 or above, Netscape Navigator 4.0 or above or another such equivalent software permitting access to the Internet, along with a computer capable of running such software. If these software or hardware requirements change, We will provide you with prior written notice of the change and the opportunity to withdraw your consent via electronic mail. Your submission of an application shall constitute your acknowledgement that you have access to the software and hardware necessary to receive via electronic means these disclosures and notice of any changes to the software and hardware requirements.