Personalized guidance
Home Loans
Our local mortgage experts will walk you through the loan process step by step to find a mortgage tailored to your needs.
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, 2025.¹
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 homebuyers 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 homebuying 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 prequalified by a lender.
- Start house shopping.
- Make an offer.
- Plan 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 below 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*
Popular loan types
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 a home valued above the conforming loan limit with a Mountain America jumbo loan.
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.
Investment Property Loans
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 specialistMore resources
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.
*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. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. 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.
- Loans on approved credit. Membership required—based on eligibility. 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 3/1/25 and 7/31/25 for loans that close no later than 8/31/25. Limited-time offer. Offer can change or be withdrawn at any time.
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