FHA Home Loans

With this type of home loan, the Federal Housing Administration (FHA) backs the loan, so you can receive a lower down payment and lower closing costs.


FHA Loan Program Information

Purchase or refinance your home with the Federal Housing Administraton (FHA) Loan Program from Mountain America. The FHA, part of the U.S. Department of Housing and Urban Development (HUD), backs the loan, so you can receive a lower down payment and lower closing costs. It’s also easier to qualify for an FHA loan if you have less-than-perfect credit.

Benefits of an FHA Loan

  • As little as 3.5% down.
  • Gift funds from parents or other family members can be used toward the down payment and closing costs.
  • The seller can contribute toward a buyer's closing costs.
  • Various payment options:
    • 15- and 30-year fixed-rate mortgages
    • 3/1 and 5/1 adjustable-rate mortgages
  • Nontraditional credit accepted (includes detailed payment history on rental payments, utility bills, telephone/mobile services and television service).
  • Maximum loan amount varies by county.*
  • Loans may be serviced through Mountain America.
  • Insured by the Federal Housing Administration.
  • Quick Close paperless closings available
Meet with a Mortgage Specialist

Three easy ways to apply.

*See Loan Officer for details.  Loans subject to credit approval. See current rates and terms. The minimum payment for a loan with a 5.00% APR and 30-year term is $5.37 per $1,000 borrowed. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan.    See our Loan Calculator for specific examples.  

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