Affordable Lending

At Mountain West Financial, Inc. (MWF) we are known for the many Down Payment Assistance and Affordable Housing Programs we offer and are considered experts in this area.  Participating in affordable housing programs for low-to moderate income homebuyers has been a passion for us over the years.  For detailed information on the programs available to our Valued Partners, please log in to BOLT.


With 30 years of experience, we are a community-oriented lender concerned with helping meet the needs of low-to-moderate income first-time and repeat homebuyers through as many programs as possible to make homeownership available to all. We actively support these programs by providing ongoing training so we can help more buyers fulfill their dream of homeownership.  We currently have approved over 80 active affordable housing programs that our Valued Partners can offer and 1 in 4 of our purchase transactions has at least one component of affordable housing.

Top 3 Lender for California Housing Finance Agency (CalHFA) in 2019

MWF is honored to be recognized as one of the top 3 lenders in helping homebuyers through CalHFA’s programs in 2019.  It has always been our mission to participate and offer home loan programs that are designed to meet the needs of our community.  Because of the wonderful down payment assistance programs offered by CalHFA, Mountain West Financial Inc. was able to help almost 700 families achieve the dream of homeownership in 2019.  Additionally, we were the # 1 lender for the CalHFA programs to the community in both 2017 and 2018.

Down Payment Resource (DPR) Partnership

MWF has partnered with Down Payment Resource (DPR), the nation’s only web-based aggregator of homebuyer programs. Down Payment Resource helps bridge the down payment gap for homebuyers and connects them with resources they may not have otherwise known existed. Using the web-based tool, homebuyers can search by city or address for assistance programs. Homebuyers can quickly access a list of available programs for which they may qualify, and where MWF is a participating lender. MWF is currently a “Featured Lender” on the DPR website in the areas we serve. Ask your MWF Account Executive about the special DPR tools and lead generation methods available through our Elite Broker Program!

Housing Agency Participation and Outreach Efforts

MWF actively conduct outreach activities to low-income and minority first-time homebuyers in their communities. Efforts include promotion of the DPR search portal, home buyer education and counseling, and loan pre-approvals for clients who call local housing agencies, to name a few.

Mortgage Credit Certificate

We believe a Mortgage Credit Certificate (MCC) is one of the greatest secrets for first time homebuyers. Because a MCC can save a homeowner some serious money over the life of their mortgage loan, we actively promote and support participating in MCC programs to ensure our first-time homebuyers can take advantage of this special federal income tax credit.


Community Seconds

A Community Second may be funded by a state, county, nonprofit organization, or an employer, and is typically used for help with down payment and/or closing costs.