Capital Home Mortgage Montana

Montana Home Loans

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Montana Mortgage Lender

Home Loans in Montana

Welcome to Capital Home Mortgage Montana, where we strive to provide Montana Home Loans to Montana homebuyers and homeowners at competitive rates and fees while giving great service.  First, we’d like to thank you for the opportunity to earn your business.  We recognize that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage Montana offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience, with an on-time close.  After all, buying a home should be enjoyable.

Capital Home Mortgage Montana, as a direct Montana Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, sensible approvals and timely closings.  We have complete control over every detail from the application to funding.

Capital Home Mortgage Montana is a full-service Montana Mortgage Lender that offers a wide range of mortgage products as well as competitive Montana Mortgage Rates.  Whether you are a first-time purchaser seeking a Montana FHA Home Loan, looking for a rural property and needing a Montana USDA Home Loan, a Native Montanan wanting to use the HUD 184  Montana Native American Home Loan, a active or retired veteran in need of an Montana VA Home Loan, or a seasoned buyer in need of a Montana Conventional Home Loan, we are here to assist.

Call today (406) 219-0058 to talk to one of our Montana Loan Officers.

Montana is referred to as “The Treasure State.”  The state’s tremendous richness of natural resources, including minerals like gold, silver, copper, and other precious metals, is reflected in this nickname.  The name also draws attention to Montana’s expansive wilderness regions, breathtaking scenery, and outdoor recreation options, all of which add to the state’s reputation as a veritable gold mine of natural riches and beauty.  

Montana is the fourth largest state in terms of area in the US, situated in the northwest. It shares borders with North and South Dakota to the east, Idaho to the west, Wyoming to the south, and Canada to the north. Montana’s capital, Helena, is situated close to the state’s center.  Montana has a number of major cities, including its capital, Billings, as well as Missoula, Bozeman, Great Falls, and Butte.

Montana’s economy is broad, with the following important industries: forestry, energy, tourism, mining (particularly of copper, gold, and coal), and agriculture. The state is well-known for its agricultural and ranching, especially for its sugar beets, wheat, barley, and cattle.

Montana is a well-liked travel destination because of its abundance of outdoor activities. Millions of tourists visit Glacier National Park, Yellowstone National Park (which is mostly in Wyoming), and the stunning scenery of the Rocky Mountains every year. Hiking, fishing, skiing, and seeing animals are all well-liked pastimes.

Early European explorers and immigrants, as well as Native American tribes, all had an impact on Montana’s rich cultural legacy. Rodeos and other western celebrations honor the state’s rich cowboy and ranching heritage. The state is home to numerous Native American tribes, such as the Crow, Blackfeet, and Sioux.

Numerous community colleges and technical schools, as well as the University of Montana in Missoula and Montana State University in Bozeman, are located in Montana.

The wildlife of Montana is varied and includes wolves, bison, elk, deer, black bears, grizzly bears, and several bird species. To save these creatures and their habitats, conservation efforts are still being made.

Montana has a variety of climates: semi-arid in the plains to the east, continental in the center, and alpine in the highlands to the west. While summers are usually mild and dry, winters can be severe, particularly in mountainous locations.

All things considered, Montana is a distinctive and alluring travel destination for locals and tourists alike because of its combination of untamed natural beauty, outdoor adventure, and cultural depth.

The real estate market in Montana provides a wide variety of properties, ranging from large ranches and rural acreages to quaint small-town residences and opulent mountain getaways. 

Depending on where you live, Montana’s residential real estate market is different. Single-family homes, townhouses, condominiums, and apartments can all be found in places like Billings, Missoula, Bozeman, and Great Falls.  Buyers seeking metropolitan conveniences, job prospects, and easy access to leisure activities are frequently drawn to these places.

Montana is well known for its extensive ranching history and rural scenery.  There are properties all around the state, from large cattle ranches to tiny hobby farms. People looking for a rural lifestyle, nature lovers, and those interested in farming would find these homes appealing.

Montana is a well-liked location for vacation houses and recreational properties because of its breathtaking natural beauty and plethora of outdoor activities. Second houses and holiday rentals are particularly sought after in areas close to lakes, rivers, national parks, and ski areas.

Montana has a good selection of luxury real estate, especially in resort areas like Big Sky and Whitefish. With features like golf courses, private lakes, ski-in/ski-out access, and expansive views of the mountains, these neighborhoods are home to upscale residences, estates, and luxury cabins.

There is a lot of property available in Montana. People can buy undeveloped land for a variety of uses, such as investing in future development, beginning a farm or ranch, or constructing a bespoke home.

The demand for vacation homes and rural getaways has increased, along with population growth and in-migration from neighboring states. These factors have all contributed to the recent growth of Montana’s real estate market.  Regional differences exist in the state of the market, meanwhile, with some seeing greater demand and price increases than others.

Montana offers reasonably priced real estate overall when compared to many other regions of the nation, despite the fact that some localities, particularly urban centers and resort towns, may have higher housing expenses. However, costs might differ significantly based on the type of property, location, and state of the market.

All things considered, buyers, investors, and those looking for a lifestyle surrounded by outdoor activities and scenic beauty will find a wide variety of choices in Montana’s real estate market

Thank you again for allowing us to help you with your Montana Home Loan.

Montana Home Loans

Montana Conventional Home Loans

Montana Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Montana FHA Home Loans

Montana FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Montana FHA home loan is consistent employment history and documented income.

Montana VA Home Loans

Montana VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Montana.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Montana USDA Home Loans

Montana USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Montana Jumbo Home Loans

A Montana Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Montana Non QM Home Loans

Montana Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Montana Native american Home Loans

A Montana Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Maine Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Montana One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Montana One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Montana HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Montana Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Montana Home Mortgage Programs

Montana Home Purchase loans

Looking to Purchase a Montana Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Montana Renovation Home Loans

Looking to Rehab a Montana Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Montana FHA Home loans

Great 1st Time Montana Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Montana va Home Loans

100% Financing for Montana Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Montana Conventional Home loans

Flexibility for Montana Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Montana Jumbo Home Loans

Montana Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Montana USDA Home loans

Montana 100% Rural Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Montana Native american Home Loans

Montana Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Montana Manufactured Home loans

Great Montana Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Montana Reverse Mortgage Loans

Your Montana Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Montana Non QM Home loans

Making Montana Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Montana One Time Close Home Loans

Build Your Montana Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Montana Refinance Mortgage loans

Montana Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Montana Cashout Mortgage Loans

Montana Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Montana Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Jordan Mowrey

SR Loan Officer
NMLS 210325

Montana Mortgage Company Reviews

Montana Cities

Billings Home Loans

Missoula Home Loans

GReat falls Home Loans

bozeman Home Loans

Helena Home Loans

Kalispell Home Loans

State Specific Mortgage Information

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