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

Today's Rates

30-Year Fixed Mortgage

as low as

Today's Rates

Construction Loan

as low as
Online mortgage rate quote

Get an Instant Quote

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

Get my instant rate quote

Rate Check

First-Time Home Buyer Rates

Check today’s mortgage loan rates.

Free Tool

Home finder

View listings from all real estate agents in Utah. There's no need to look anywhere else for your next home.

Must Reads

How much home can you afford?

Here are our 6 home-buying budget-busters to consider