Welcome to the website dedicated to helping you take advantage of the largest government insured loan programs.

UseFHA.com is powered by Emery Federal Credit Union   proudly serving families since 1939. 

The UseFHA.com website is a privately-owned website and is not affiliated wth any government agency.  This website is designed to share information about all of Emery Federal Credit Union's mortgage lending products.  Emery Federal Credit Union is a HUD-approved mortgagee but our products and services do not originate from any government agency.

We will work with you to find the best program to fit YOUR needs!

We offer the best mortgage FHA tools available on the Internet - easy, convenient, online shopping for the best FHA loan programs and most current rates available, together with the assistance of an experienced live FHA loan specialist to guide you through the often difficult and confusing process of choosing and getting the exact FHA loan to meet your specific needs.

	Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time FHA homebuyer.
	Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
	Remodeling your home? COMING IN 2011 If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our FHA 203k mortgage Specialists who will help find the right loan for you.