Conventional mortgage loans. A fancy way of saying flexible financing. Conventional mortgages provide homebuyers with a greater variety of options than other home mortgages. In addition to a wider variety of mortgage uses, buyers can also set up financing options specific to their short- and long-term financing needs and property ownership plans. Mountain America Credit Union (MACU) mortgage specialists are able to assist buyers in making the most appropriate choices most suitable for their needs. MACU Conventional Mortgage Loans are flexible—buyers can pick financing options specific to their fiscal needs and plans for the property; they can also use the mortgage loan for several types of home investments. Here's what you can get: Up to 95% financing OAC 15-, 20- and 30-year fixed-rate terms available 5-, 7- and 10-year Adjustable Rate Mortgages (ARMs) Low mortgage insurance Pay your mortgage locally at a branch or online Gift funds can be contributed by parents or other family members Available for second homes and investment properties (up to a fourplex) Quick Close paperless closings available How? You guessed it. By applying for your Mountain America Conventional Home Loan today!