Easy and affordable mortgages
FHA Home Loans
Get into a new home with a lower down payment using this program backed by the Federal Housing Administration.
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!
FHA home loan program information
Purchase or refinance your home with the Federal Housing Administration (FHA) loan program from Mountain America. The loan is backed by the FHA, part of the U.S. Department of Housing and Urban Development (HUD). FHA loans allow buyers to receive a lower down payment than with a conventional loan. It’s also easier to qualify for FHA loans if you have less than perfect credit.
Benefits of an FHA home loan
- Enjoy competitive FHA mortgage rates.*
- Pay as little as 3.5% down.
- Choose from fixed- and variable-rate terms.
- Non-traditional credit is accepted (for example, detailed payment history on rental payments, utility bills, phone/mobile and television services).
- The loan is insured by the Federal Housing Administration.
- Speed up closing with our Quick Close℠ electronic mortgage process.
Additional FHA loan details
- Maximum loan amount varies by county.
- Gift funds may be used toward the down payment and closing costs.
- Seller can contribute toward the buyer's closing costs.
- Loans may be serviced through Mountain America.
Estimate Your Mortgage Payments*
Get your low down payment FHA home loan
Don't wait! Start your FHA loan application below or call 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists.
Apply nowMeet with a specialist
Home Insurance
Protect your home, family and possessions with Mountain America Insurance.
*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.
View dispute and mortgage servicing contact information
Foreclosure prevention
