FHA Home Loans

Easy and affordable mortgages
Get into a new home with a lower down payment and lower closing costs, backed by the Federal Housing Administration.

FHA 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). The FHA loan allows buyers to receive a lower down payment and lower closing costs than with a conventional loan. It’s also easier to qualify for an FHA loan if you have less than perfect credit.

Benefits of an FHA loan

  • Competitive rates*
  • Down payments as low as 3.5%
  • Fixed- and variable-rate terms
  • Non-traditional credit accepted (such as detailed payment history on rental payments, utility bills, phone/mobile and television services)
  • Insured by the Federal Housing Administration
  • Quick Close℠ electronic mortgage process

Additional account 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

Get your low down payment FHA loan

Apply online or call 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists.

Apply now   Meet with a specialist

*On approved credit. Actual APR based on credit worthiness.

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