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mortgages Buying a Home - Montana Real Estate and Mortgages

Buying a Home - Montana mortgages, down payment assistance and first time home buyer grants for buying Montana real estate.

Research the available Montana mortgages and home loan programs for buying Montana real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Montana real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Montana.

Statewide

Montana Board of Housing - single family housing programs or (406) 841-2820 http://commerce.state.mt.us/housing/Hous_Prog_FLP_S.html

Neighborhood Housing Services, Inc. - down payment and closing costs assistance available statewide, except Lewis and Clark County - call (406) 761-5861 for details

Helena, MT - Greater Helena Area Affordable Home Ownership Program GR8 HOPe (406) 457-7354

Other Cities

City of Billings - closing costs and down payment assistance (406) 657-3045 or TDD (406) 657-8252

Bozeman - Human Resource Development Council: offers homeownership opportunities for low income families - call (406) 587-4486
http://www.ruralisc.org/hrdc.htm

City of Glendive - Home Program: rehabilitation funds and closing costs - call (406) 377-3318 extension 17 for details

Great Falls - Neighborhood Housing Services, Inc: down payment and closing costs assistance - call (406) 761-5861 for details

City of Great Falls - Community Development Department - Housing programs - call (406) 771-1180, ext. 407 http://www.ci.great-falls.mt.us/people_offices/cdev/cdbg/cdbg.htm

City of Lewistown - Affordable Homebuyer Program - call (406) 662-3438 or (406) 538-9046 for details

City of Missoula - Housing Division - call (406) 523-2874

Missoula Housing Corporation Down payment assistance - call (406) 543-5135

Missoula - Human Resource Council - call (406) 728-3710

Ronan - Lake County Community Housing Organization - Down payment assistance - call (406) 676-5901

Glacier Affordable Housing Program - assistance with down payment and closing costs

Kalispell - Flathead County Glacier Affordable Housing Foundation (406) 758-7744 
http://www.glacierbank.com/affordable.html

Libby area - contact Northwest Montana Human Resources, Inc. at (406) 293-2712

Cut Bank - contact G.A.I.N. at (406) 873-2337

Other programs

Billings Native American Partners in Home-Ownership - call (406) 657-3045 for details

Habitat for Humanity affiliate list for Montana http://www2.habitat.org/local/

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Montana.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Montana or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Montana.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Montana Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Montana real estate of homes for sale.

Complete the form below for direct access to the following types of Montana real estate listings:

  • Montana Real Estate Listings and MLS
  • Montana HUD Homes
  • Montana For Sale By Owner Homes
  • Montana New Homes for Sale
  • Montana Foreclosure Homes for Sale
Access Montana Real Estate Listings

You will get free unlimited access to search Montana real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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