Loan Programs

We offer a variety of financing options to meet the diverse needs
of our valued clients. You can browse through some of our options below, or feel free to give us a call for a no-obligation consultation. We look forward to hearing from you!

Mountain West Financial exclusive home loan program benefitting those that serve our local communities. Benefits include reduced lender fees, competitive rates, and a free rate float down.

FHA Home Loans
With as little as 3.5% down payments, FHA loans offer options for purchase, refinance, rehabilitation, energy improvements, and many can be paired with down payment assistance programs

Conventional Loans
A Conventional Mortgage refers to any mortgage loan that is not insured or guaranteed by the Federal Government. They can be conforming and non-conforming loans.

VA Loans
A VA Loan (Veterans Administration) offers qualified Veterans in all 50 U.S. states a federally guaranteed home loan that requires little to no down payment.

USDA Rural Home Loans
This is a USDA guaranteed home loan designed for rural communities with less than 20,000 people.

Down Payment Assistance Programs (DPAs)
We are a leader in down payment assistance and affordable housing solutions. From bond programs, tax credits, grants (that require no re-payment) and silent seconds. Get access to our exclusive DPA search tool to see which programs may be available to you.

Energy Efficient Mortgages (EEM)
It pays to be “Green” with an Energy Efficient Mortgage (EEM) because it allows FHA and VA borrowers the opportunity to finance energy conservation improvements into the home loan.

HARP 2.0
The Home Affordable Refinance Program (HARP) allows homeowners who are currently underwater refinance their homes

A Combo HELOC is a Combo Home Equity Line of Credit which is an open-ended line of credit that can be used for whatever the borrower chooses.

Advantage Mortgage Program (AMP)
Mountain West Financial's exclusive affinity home loan program for companies of 500 or more. Reduced fees offered to employees can results in thousands of dollars in savings both up front and over the life of the loan.

House Hunter Extended Rate Lock
Exclusive rate lock program that allows you to lock in your rate for up to 30 days while you search for your home.