Personalized guidance
Home Loans
Need a prequalification letter?
Make an offer for your next home purchase with confidence! Request a prequalification letter today.Request letter
Limited-time offer
Apply for your home-grown home loan and receive a free appraisal, now until July 31, 2024.¹ With an easy, online application and one-on-one guidance, you’ll be home in no time!
Mortgage loan financing
Looking to buy a new home or refinance your mortgage? Mountain America Credit Union has you covered! We help first-time and seasoned home buyers get the home of their dreams. Let our helpful and knowledgeable mortgage loan specialists work with you to select the rate, down payment and terms that meet your financial goals.
Homebuying process
There are a lot of complexities and details in the home buying process. Follow the step-by-step guide below to plan better:
- Check your credit report and credit score.
- Figure out the home price you can afford.
- Get pre-approved by a lender.
- Start house shopping.
- Make an offer.
- Plan on a home inspection.
- Close on your home.
What type of mortgage is the best?
It depends on your financial situation. Although conventional loans are the most popular, FHA loans may be an option if you cannot qualify for other mortgages or have less money for a down payment.
Use our free mortgage calculator to estimate your monthly payments. Always remember, the larger the down payment relative to the purchase price, the lower your monthly payment will be.
Estimate your mortgage payments
Customize your rate
Need a prequalification letter?
Make an offer for your next home purchase with confidence! Request a prequalification letter today.Request letter
Conventional Mortgages
With competitive rates and flexible terms, we'll help you finance the home of your dreams.
Mortgage Refinance
Lower your monthly payment, tap into your home's equity or change the loan terms by refinancing your mortgage.
First-Time Homebuyer
Get up to 100% loan-to-value financing and a down payment as low as $1,000.
Additional loan types
FHA Loans
Take advantage of this federal program to get a mortgage with a low down payment and lower closing costs.
VA Loans
Construction Loans
Lot and Land Loans
Jumbo Loans
Get financing for homes valued above the conforming loan limit with Mountain America’s jumbo loans.
Rural Housing Loans
Get affordable home financing with a USDA Rural Housing loan from Mountain America.
Mini Mortgages
Shorten your loan term or save money on interest with this mortgage refinance option, all with no fees or closing costs.
Reverse Mortgages
Live comfortably at home in your golden years with a reverse mortgage from Mountain America.
Home Insurance
Get peace of mind by protecting your home, family and possessions with Mountain America Insurance.
Meet with a Loan Officer
Our mortgage experts will answer your questions, assess your finances and recommend the best mortgage program for your situation.
Buy the home of your dreams
Get started today! Apply online or call 1-800-277-7703. If you have any questions, schedule an appointment with one of our mortgage loan specialists.
Apply nowMeet with a specialist*Loans on approved credit. Actual APR based on creditworthiness. Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. Some limitations on loan amounts may apply based on county limits and/or loan product. FHA county loan limits apply for FHA loans.
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