Montana Native American Home Loans

Montana NATIVE AMERICAN Home lender

If you are a Montana Native American seeking homeownership opportunities, Capital Home Mortgage Montana is here to support your journey. As a dedicated Montana Native American Home Lender, we specialize in offering tailored mortgage solutions through our Montana Native American Home Loans. Our flagship program, the Montana HUD 184 Loan, is a federally-backed initiative from the Department of Housing and Urban Development designed to serve Native American tribal members. This unique loan program provides access to competitive mortgage rates and flexible terms, ensuring that first-time and repeat homebuyers can confidently achieve their dreams of homeownership.

The Montana Section 184 Loan Program is available to any member of a federally recognized tribe, making it an inclusive option for all eligible Native Americans. If you hold a Tribal Membership or Citizen Card from a government-recognized tribe, you may qualify for this program, regardless of whether you are buying your first home or adding to your property portfolio. At Capital Home Mortgage Montana, our experienced HUD 184 Loan officers are committed to guiding you through every step of the process. We offer free consultations to answer your questions and provide a comprehensive overview of all available loan options, ensuring you receive personalized support tailored to your unique needs.

With a proven track record of helping countless Montana Native Americans achieve their homeownership goals, Capital Home Mortgage Montana stands ready to help you turn your dreams into reality. Contact us today at (406) 219-0058 to speak with one of our Montana HUD 184 Home Loan Specialists and take the first step towards a brighter future in your new home.

Montana Native American Mortgage Rates

Montana Native American Home Loans

Qualifying for a Montana HUD 184 Loan

Are You Interested in a Montana HUD 184 Loan?  Here are some important details you need to know before applying for the Native American Home Loans.

  • Credit Score:  The HUD-184 Loan does not require a minimum credit score, making it ideal for qualified but credit-challenged borrowers.
  • Debt-to-Income Ratio:  A single back ratio of 41% debt-to-income ratio to determine the loan size borrowers can afford.
  • Borrower Income Limit:  The HUD-184 Loan does not apply to borrower income limits.
  • Down Payment :  The HUD-184 Loan has some of the lowest down payment requirements in the market.
  • Closing Costs: This money could come from your savings, investments, or gifts from family members. Tribal assistance is also accepted.
  • First-Time and Repeat Buyers: Compared to other low-down-payment mortgage programs, this one is open to first-time and repeat home buyers.
  • Eligible borrowers may participate in the program multiple times but are allowed only one Section 184 Loan at a time

Montana Native American Purchase Loan

Montana HUD 184 Home Loans are solely for Native Americans and offer a variety of purchase benefits.

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase an Existing Home
  • Construction of a New Home
  • Rehab an Existing Home
  • Purchase / Rehab Combo Loan

Montana Native American REfinance Loan

Montana HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.

Cash-Out or Renovation
  • Appraisal Required
  • 97.75% Max LTV for Rehab
  • 85% Max LTV for Cash-out
  • County Loan Limits Apply
Streamline Refinance
  • HUD 184 to HUD 184
  • No Income Qualification
  • No Appraisal Required
  • No Mortgage Lates in Last Year
Native American Eligibility
Montana Native Americans Overview

Montana is home to several Native American tribes, each with its own unique history, culture, and significance. Here are the primary tribes recognized in the state:

  • Assiniboine (Nakoda): The Assiniboine people are part of the Sioux linguistic group and traditionally lived in the Northern Plains. They are known for their skills in hunting and warfare. Today, they are primarily associated with the Fort Peck Indian Reservation.
  • Blackfeet (Niitsitapi or Siksikaitsitapi): The Blackfeet Nation is one of the most well-known tribes in Montana, residing on the Blackfeet Indian Reservation. They are part of the larger Algonquian-speaking group and have a rich cultural heritage centered around the buffalo and the plains. The Blackfeet are known for their traditional ceremonies, such as the Sun Dance.
  • Chippewa (Ojibwe): The Chippewa, or Ojibwe, people are part of a larger group that extends into Canada and the Great Lakes region. In Montana, they are primarily associated with the Rocky Boy’s Reservation. They have a rich tradition of storytelling, beadwork, and birch bark canoes.
  • Cree: The Cree people in Montana are closely related to the Chippewa and share the Rocky Boy’s Reservation. They have a strong cultural heritage that includes traditional hunting, fishing, and gathering practices.
  • Crow (Apsáalooke): The Crow Nation is one of the largest tribes in Montana, residing on the Crow Indian Reservation. They are known for their horsemanship, beadwork, and the annual Crow Fair, which is one of the largest gatherings of Native Americans in the United States. The Crow has a rich history of alliances and conflicts with other tribes and European settlers.
  • Gros Ventre (A’aninin): The Gros Ventre people are part of the Arapaho linguistic group and share the Fort Belknap Indian Reservation with the Assiniboine. They have a rich cultural heritage that includes traditional dances, ceremonies, and a deep connection to the land.
  • Kootenai (Ktunaxa): The Kootenai people reside on the Flathead Indian Reservation, which they share with the Salish and Pend d’Oreille tribes. They have a unique cultural heritage that includes traditional fishing practices, particularly in the Kootenai River.
  • Northern Cheyenne (Tsėhésenėstsestȯtse): The Northern Cheyenne Tribe resides on the Northern Cheyenne Indian Reservation. They are known for their resistance against U.S. military forces, particularly during the late 19th century. The tribe has a rich cultural heritage that includes traditional ceremonies, such as the Sun Dance.
  • Pend d’Oreille (Ql̓ispé): The Pend d’Oreille people are part of the Salish linguistic group and share the Flathead Indian Reservation with the Salish and Kootenai tribes. They have a rich cultural heritage that includes traditional fishing and hunting practices.
  • Salish (Séliš): The Salish people are also part of the Salish linguistic group and share the Flathead Indian Reservation with the Pend d’Oreille and Kootenai tribes. They have a rich cultural heritage that includes traditional storytelling, beadwork, and a deep connection to the land.

These tribes play a crucial role in preserving their unique languages, traditions, and ceremonies, which are integral to their cultural identity. Many tribes have a deep connection to the land and are involved in environmental conservation efforts, particularly in managing natural resources sustainably. Through various enterprises, including tourism, gaming, and natural resource management, these tribes contribute significantly to Montana’s economy.

Native American tribes in Montana are sovereign nations with their own governments, and they play a significant role in state and federal politics, advocating for issues that affect their communities.

Why Montana is Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Competitive Rates & Fees

Direct Lender with Complete Mortgage Programs

Exceptional Service

Customer Support Application to Final Payment

Montana Mortgage Company Reviews
Montana Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506
Shelly Gremillion

Shelly Gremillion

Production Manager
NMLS #296491
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
  • Competitive 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
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of 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
  • 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 may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
  • 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. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

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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