First Time Homeowners Get into your first home with up to 100% financing and little money down. Conventional Mortgage Purchase or refinance a home at a competitive rate and with flexible terms. FHA Loans These loans offer a lower down payment and lower closing costs than many traditional loans. Construction Loans We offer one-time and two-step options so you can finance the construction of your dream home. Lot Loans Finance the purchase of land or a lot property for your new home. Jumbo Loans Get financing for a home priced above the loan limit set by Fannie Mae and Freddie Mac. VA Loans With this loan, veterans can buy a new home with zero down, 100% financing and a low interest rate. Rural Housing Loans If you’re looking to purchase or refinance a home in a rural area, this is a great way to go.Mini Mortgage Refinance your mortgage to a lower rate or shorter term with no fees and no closing costs. Refinance Lower your monthly payment, tap into your home's equity or change your loan terms. Quick Close Go paperless by managing the mortgage process online from application to closing. Schedule an Appointment Meet with a Mountain America mortgage specialist.