100% First-Time Home Buyer Program

The first of many firsts
This unique mortgage program will get you into your first home with fewer hassles and less money down.

Get it right the first time

Buying your first home is a big decision. Mountain America Credit Union is here to help. Our team of mortgage experts will guide you through the home-buying process, ensuring you have an easy, worry-free experience. Best of all, you won't have to make a big down payment.
 

Program benefits

  • Up to 100% loan-to-value financing*
  • Down payments as little as $1,000
  • No private mortgage insurance required
  • Fixed- and adjustable-rate options
  • No income limitations
  • Quick Close℠ electronic mortgage process
 

Additional account details

  • Loan amounts up to $300,000
  • Seller can contribute up to 3% toward closing costs
  • No prepayment penalties
 

Begin your journey to homeownership

Get started today by applying online or calling 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

View dispute and mortgage servicing contact information.

Foreclosure Prevention

First Time Homebuyer Interest Rates

Today's Rates

100% First-Time Homebuyer

as low as
5.375
%
APR

Today's Rates

30-Year Fixed Mortgage

as low as
4.625
%
APR

Today's Rates

Construction Loan

as low as
4.875
%
APR
Online mortgage rate quote

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Use this free tool to get an instant mortgage quote, including the estimated rate, monthly payment, closing costs and other home-buying costs.

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Rate Check

First-Time Home Buyer Rates

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