FHA High Balance Home Loans:

For Loan amounts above $420,680

  • 3.5% down payment
  • Available in counties where the FHA loan limits are above $420,680
  • Minimum 620 FICO required
  • Gift funds permitted
  • Up to 6% seller credits
  • Requires upfront and monthly mortgage insurance
  • Available for single-family, multi-family homes, condos, PUDs, and manufactured
  • Available for both purchases and refinances
  • Loan amounts up to $970,800. Maximum loan amounts vary by county, call for full details.

Looking to get more out of your FHA loan? Here are some FHA loan options you may not know about:

To learn more about the standard FHA Loan, for loan amounts under $420,680, click here

FHA loans are available for purchase or refinance. We offer a standard FHA Refinance and for those looking to refinancing an existing FHA loan, check out the FHA Streamline Refinance program!

The Energy Efficient Mortgage (EEM), can be paired with a FHA or VA to finance energy conservation improvements into the loan with no additional qualifying.

Members of state public agencies or retirement systems may be eligible for our exclusive CalPATH & PATH Home Loan Program which features reduced lender fees, competitive rates and a free rate float down. The PATH and CalPATH programs are exclusive to Mountain West Financial, Inc.