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Expert Advice

Our mortgage experts will guide you through each step.

YOUR PERFECT MORTGAGE
does exist 

For a limited time, we're offering 1.00% off* mortgage rates!

Plus, unlock even more savings with 0.50% off** origination fees.

 

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Start Your Mortgage Application Here

UNLOCK LIMITED-TIME SAVINGS

Ready to move into your dream home or lower your monthly payment? We're helping make homeownership more affordable with a limited-time rate reduction offer!

Instead of standard market pricing, we’re offering 1.00% off* your mortgage interest rate and 0.50% off ** origination fees. Whether you’re buying a new home or refinancing your current home, our exclusive lending offers give you the flexibility and savings you deserve.

Rates are updated daily to ensure you receive the most competitive pricing available. Lock in your discounted rate today and shop for your new home with total confidence!

Terms, conditions, and exclusions apply.

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personalized mortgage support

MORTGAGE OPTIONS THAT SIMPLIFY YOUR JOURNEY

When you apply for a mortgage, you need to have confidence in the team you are working with. You can trust AERO Financial. You'll truly experience the difference personalized service can make.

Our dedicated team is here to guide you through the process, offering tailored advice and custom simple solutions to fit your unique home loan needs. From application to closing, we’re with you every step of the way.

Contact Our Mortgage Expert

Ashley Sanborn

Ashley Sanborn
VP of Mortgage Lending
480.568.8634

More About Ashley: Ashley Sanborn is a dedicated mortgage service professional with a strong sales and business development background. She leads the mortgage team and ensures smooth underwriting, processing, and servicing operations. As a mortgage professional, Ashley excels in guiding members through the complexities of home financing and offering personalized solutions to meet their unique needs.

Ashley is skilled in handling both first and second mortgages. She assists members in securing home financing while providing expert advice on the best mortgage products. Additionally, she helps members leverage their property’s equity for various financial goals, such as home improvements, debt consolidation, or other investments. Ashley has been a valued employee of AERO Financial for 16 years, consistently demonstrating commitment to excellence and member satisfaction.

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your path to Homeownership Starts Here

Mortgage features

Whether you're a first-time buyer, upgrading to a bigger space, or looking to refinance, AERO Financial offers flexible solutions to match your needs and budget.

Low Rates

We understand the housing market and offer competitive mortgage rates.

Expert Advice

Selecting the best mortgage isn't always easy. Our team is here to help!

Flexible Terms

You select the term that works best for your budget.

Local Financing

We specialize in the Arizona and New Mexico markets.

EMPOWERING YOUR JOURNEY

No matter where you are in your home buying journey, AERO Financial can help you achieve your dream home and payment.
Looking to Buy a Home First-Time Homebuyer Looking to Refinance
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Let Us Handle The Details

Looking to buy a home? We're here to make the process smooth and stress-free! Whether you're searching for a vacation retreat or an investment property, our expert mortgage team can guide you through securing financing, understanding market trends, and managing your mortgage options. Sit back, relax, and let us handle the details.

Whether you are looking for a fixed-rate mortgage, an FHA Loan, or a VA Loan, contact us today, and let's take the first step in this exciting journey together!

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You Don't Have To Do It Alone

Ready to buy your first home? Let us help make your dream a reality! Our expert mortgage team is here to guide you every step of the way, from securing the best mortgage rates to understanding the ins and outs of home buying. If you're looking for advice on saving for a down payment or navigating the real estate market, we've got you covered.

Whether you are looking for a fixed-rate mortgage, an FHA Loan, or a VA Loan, contact us today, and let's take the first step in this exciting journey together!

Need some help budgeting for your first home? As a member of AERO Financial, you can take advantage of our free financial counseling. Learn about budgeting and what you can expect throughout the mortgage process.

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Expert Advice, Every Step Of The Way

Thinking about refinancing your home? We're here to help you unlock savings and achieve your financial goals! Our experienced mortgage team will guide you through the refinancing process, helping you secure lower rates, reduce monthly payments, or even access your home's equity. Whether you're looking to save money or fund a big project, refinancing could be the key.

DISCOVER THE BEST MORTGAGE FOR YOU

Unlock your dream home with our flexible mortgage solutions!

traditional home loan

Conventional Loan

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Rate remains the same with a predictable monthly payment.
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30-year, 20-year, 15-year, and 10-year term options.
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Low down payment options.
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Competitive rates.
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Automatic payment options.
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for service members & spouses

VA Loan

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Exclusive to eligible service members.
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30-year, 20-year, and 10-year term options.
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Low or no closing costs.
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Automatic payment options.
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No mortgage insurance requirements.
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lower down payment options

FHA Loan

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Lower credit scores or lower down payments accepted.
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30-year, 20-year, and 10-year term options.
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Requires mortgage insurance.
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Must be an approved property.
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Automatic payment options.
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how much can you afford

mortgage calculator

How much you can afford depends on many factors including your income, debt, down payment, and interest rates. A good rule of thumb is to make sure your mortgage payment doesn't exceed 28% of your gross monthly income. Use our mortgage calculator to find your perfect mortgage payment.

Your actual term and payment will be provided upon acceptance of an AERO Financial Loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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knowledge is power

QUESTION: HOW DO CONVENTIONAL LOANS WORK?

Conventional loans are a popular type of mortgage used to buy or refinance a home. They are called "conventional" because they are not insured or guaranteed by the federal government, unlike FHA, VA, or USDA loans.

Conventional loans offer flexibility and can be a good option if you have strong credit and can make a decent down payment. They’re often used for purchasing single-family homes, but they can also be used for other types of properties.

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BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Ultimate Budgeting Guide-min

Start Saving Money Today

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What our members
are saying

"I worked with Ashley on a home mortgage, and it was the easiest thing ever. Very fast, the best interest rates, and super responsive. It was a pleasure to work with Ashley."

Mike M.

“We used AERO Financial to refinance our home mortgage and they were awesome. Ashley helped us get everything going and was very responsive. Their friendliness and professionalism are phenomenal!”

Chad R.

“We've been members for over 30 years, and every single time we've worked with them, they've been amazing. Great service, friendly staff, and super helpful with all things financial. We're so grateful!”

Katreena H.

YOUR MORTGAGE QUESTIONS, ANSWERED

What Is A Mortgage Loan?

A mortgage loan is an agreement between you and a lender that allows you to borrow money to purchase or refinance a home.


How Much Will It Cost Me To Refinance My Mortgage?

If you are looking to refinance, we encourage you to call and speak with a Mortgage Loan Specialist at (480) 568-8634 to help ensure you are getting the best rate option for your home.


What Kind Of Mortgages Do You Offer?

We cover a variety of mortgage options, including 30-year, 20-year, 15-year, and 10-year conventional options, VA (Veteran Affairs) Loans, and FHA (Federal Housing Assistance) Loans.

How much of a down payment will I need?

A 20% down payment is ideal but is not always required. Qualified buyers can put as little as 3% down. There are considerations for every down payment option. We will help find the best option for you.

Aero Federal Credit Union (DBA AERO Financial) is federally insured by the NCUA and is an Equal Housing Opportunity Lender (NMLS #405587). Membership eligibility is required; see the credit union for details. All loans are subject to credit and underwriting approval. Rates, terms, and portfolio approval are not guaranteed and are subject to change based on market conditions. Pre-qualifications are valid for 120 days. Must be 18 or older to apply.

*1.00% Mortgage Rate Discount: Offer available for conventional conforming purchase and refinance applications received between 4/1/2026 - 6/30/2026.

  • Rate Determination: AERO Financial’s mortgage rates are determined daily upon receipt of Centennial Lending’s daily rate sheet. The 1.00% discount is applied to current Fannie Mae base rates (30-year par pricing) at the time of approval.
  • Eligibility: Available only for AERO Financial portfolio loans with a maximum loan-to-value (LTV) of 90% or less. Not applicable to FHA, VA, USDA, or loans sold on the secondary market.
  • Rate Lock: The discounted rate must be locked within 90 days of the application date.
  • Example: If the Fannie Mae published rate is 7.00%, your discounted rate would be 6.00%.

**0.50% Origination Fee Discount: Qualified applicants will receive a 0.50% discount off the standard 1.00% loan origination fee for applications received between 4/1/2026 - 6/30/2026.

  • Details: This discount applies only to the origination fee charged by AERO Financial and does not affect third-party fees (appraisal, title, escrow, etc.).
  • Example: On a $300,000 loan, the standard $3,000 origination fee would be reduced to $1,500.

APR & Payment Disclosure: The Annual Percentage Rate (APR) varies based on loan terms, amount, credit profile, and closing costs.

  • Representative Example: A $300,000 loan with a 30-year term, 20% down payment, and a 6.00% interest rate with $5,000 in closing costs results in an approximate 6.15% APR.
  • Monthly Payment: Estimated at $1,798.65. This amount does not include taxes or insurance premiums, which will increase your actual monthly payment obligation.

Additional Terms: Offers may be changed or withdrawn at any time without notice and cannot be combined with other promotions or lender credits. This is not a commitment to lend. Final rates, terms, and fees will be provided on your official Loan Estimate (LE) and Closing Disclosure (CD). Financial calculators are for informational purposes only.

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