Easy and affordable mortgages
FHA 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, 2024.² With an easy, online application and one-on-one guidance, you’ll be home in no time!
FHA home loan program information
Purchase or refinance your home with the Federal Housing Administration (FHA) loan program from Mountain America. The loan is backed by the FHA, part of the U.S. Department of Housing and Urban Development (HUD). FHA loans allow buyers to receive a lower down payment and lower closing costs than with a conventional loan. It’s also easier to qualify for FHA loans if you have less than perfect credit.
Benefits of an FHA home loan
- Competitive FHA mortgage rates¹
- Down payments as low as 3.5%
- Fixed- and variable-rate terms
- Non-traditional credit accepted (such as detailed payment history on rental payments, utility bills, phone/mobile and television services)
- Insured by the Federal Housing Administration
- Quick Close℠ electronic mortgage process
Additional FHA loan details
- Maximum loan amount varies by county
- Gift funds may be used toward the down payment and closing costs
- Seller can contribute toward the buyer's closing costs
- Loans may be serviced through Mountain America
Estimate your mortgage payments
Customize your rate
Get your low down payment FHA home loan
Don't wait! Start you FHA loan application by clicking the button below, or call 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists.
Apply nowMeet with a specialist
Home Insurance
Protect your home, family and possessions with Mountain America Insurance.
1. Loans on approved credit. Actual APR based on creditworthiness.
2. Free appraisal on new purchases and construction loans only. Not available on refinance loans. Cannot be combined with other offers. Limit one per household. Offer valid on applications received between 3/1/24 and 7/31/24 for loans that close no later than 8/31/24. Limited-time offer. Offer can change or be withdrawn at any time.
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Foreclosure prevention
