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Real Estate Loans

Home loans, we know our way around the block.

Are you ready to finance the home of your dreams? Whether you’ve found your first home or are looking at floor plans for your third perfect place, we can help you find the loan that makes you feel right at home.

Not all mortgages are created equal, and our experienced lenders can help you sort through financing options. Schedule an appointment today to learn more and get started on the road home!

We offer the options to meet your needs:

  • Your first home
  • Living the dream home
  • Vacation home
  • Retirement home
  • Investment property
  • Refinance your Home 
  • Land Loans

A conventional mortgage is a loan that is not guaranteed or insured by any government agency. Conventional mortgages can be conforming or non-conforming. Conforming mortgages follow Fannie Mae, Freddie Mac and Government-Sponsored Enterprise (GSE) guidelines. A typical conventional mortgage offers a longer repayment term, fixed rate options, and down-payment requirements. They’re available for financing one to four primary residences, second homes and investment properties.
Federal Housing Authority (FHA) loans are federally-backed and provided by an FHA-approved lender. FHA loans typically have lower minimum down-payment requirements than conventional loans and are more flexible with regard to credit score requirements. FHA loan recipients are required to carry mortgage insurance and need to live in the residence for the first year. These loans typically have lower rates than conventional loans.
Montana Board of Housing (MBOH) works with partners across the state to ensure Montana’s hard-working families and communities have safe and affordable homes. MBOH accomplishes this by issuing tax-exempt bonds, administering federal housing programs, offering down payment assistance and working with cities, counties, non-profits, lenders, employers and others who are willing to step in and help make home ownership happen.
A portfolio loan is one that the lender keeps ‘on-their-own-books’ rather than selling on the secondary mortgage market, where lenders buy and sell loans and servicing rights. These mortgages are often used to serve customers who fall just outside the guidelines for a secondary market loan.
Rural Development (RD) loans are designed to serve buyers in identified rural areas. These mortgages are guaranteed by the US Department of Agriculture (USDA), which sets lending guidelines. These loans are provided by approved lenders, and offer 100% financing, low rates, and affordable payments. RD loans have income limits based on family size.
Since 1944, active-duty service members, veterans, reservists and surviving, unmarried spouses, have attained affordable home ownership through the VA loan program. These loans are backed by the US Department of Veterans Affairs (VA), and provided by approved lenders. They allow qualifying buyers to secure 100% financing at lower rates and fees than with conventional mortgages.

We proudly serve Central and North Central Montana in the communities of Big Sandy, Chester, Chinook, Choteau, Conrad, Fairfield, Fort Benton, Lewistown and Vaughn.