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Help articles about

Mortgages

Terminology and concepts

What is a mortgage?
What is a mortgage note?
What is prepaid interest?
What is an adjustment period?
What are seller's points?
What happens during the processing of a mortgage?
What is a townhouse?

Homeowners and mortgage insurance

What is hazard insurance?
What information do I need to get a homeowners insurance quote?
What is prepaid mortgage insurance?
What is a mortgage insurance premium (MIP)?
What is mortgage insurance?
Can I pay my own real estate taxes and homeowners insurance?
Can I change insurance companies for my homeowner's policy? Does the credit union need to know?

Appraisals

Can I get a copy of my appraisal?
How long is an appraisal valid when applying for a loan?
What appraisal service or appraisers do you use?

Mortgage loan types

What is a reverse mortgage?
What is a fixed-rate mortgage?
What is a balloon mortgage?
What is a bi-weekly mortgage?
What are convertible adjustable rate mortgages (ARMs)?
What is a graduated payment mortgage (GPM)?
What is a two-step mortgage?
What is a blanket mortgage?

First-time buyers

Do you offer mortgages for first-time homebuyers?
Are there any deals for first time home buyers?
What is a first mortgage?
Do you service first mortgage loans?
How long will it take to get a first mortgage loan?
Do you offer credit life insurance on first mortgages?
What advantages would one have by getting a 15-year loan versus a 30-year loan on a first mortgage?

Application process

How can I apply for a mortgage loan?
How many steps are there to obtain a mortgage?
How is my final mortgage rate calculated, and when is that rate confirmed?
What would it cost me to refinance my first mortgage?
Do I need to provide proof of homeowners insurance for a home loan?
Why should I consider getting preapproved before buying a home?

Loans offered by Mountain America

Do you offer VA or FHA loans?
Do you offer property loans?
Do you offer no down payment loans?
Do you offer jumbo loans?
Do you offer HUD loans?
Do you offer a third mortgage loan?
Does Mountain America offer investment property loan options?
Do you offer no-closing-cost loans and no-point loans?

Mortgage costs and fees

What is the late fee for a delinquent mortgage payment?
What are courier or mail fees for a mortgage?
What are Points?
What are discount points?
Are there closing costs or other out-of-pocket expenses associated with a second mortgage loan?
Can I roll my closing cost fees into my loan?
What are mortgage closing costs?

Closing and escrow

Do I need to verify the payoff figures on the day of closing?
If I get a first Mortgage with the credit union, where will I do my closing?
What is a Closing Disclosure?
What is escrow?
What is an escrow officer?
Can I delete my escrow account?

Mortgage industry

What is the primary mortgage market?
What is a mortgage banker?
What is Freddie Mac?

Taxes and financial documents

Does my mortgage balance show on my credit union statement?
Do I need to send the credit union a copy of my tax bill for my mortgage?
How are my taxes paid on a mortgage?
How do I get my 1098 mortgage interest statement form?

Case-by-case questions

Who do I contact if I need help with my existing mortgage?
Is there a minimum mortgage loan amount?
Who can I talk to about returned, bounced, or NSF items?
Can I buy down a mortgage rate?

Q: Can I get foreign currency through the credit union?

No. We do not accept or distribute foreign currency at Mountain America Credit Union.

Service center

1-800-748-4302

Routing number

3240 7955 5

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© 2025, all rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
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