Mortgage Calculators

Use these tools to help you plan your purchase or refinance. You can print your calculations and financing plans to take with you as you shop for a home. If you need guidance in selecting an accurate interest rate, or to interpret the various calculators, contact one of our loan officers for assistance. (Please click

USDA RD Purchase Loan

  USDA: Rural Development Purchase Loan First time home buyers, but ALSO for primary residence purchases Minimal monthly mortgage insurance Closing costs CAN be financed Lower than Prime Credit Scores can be approved Flexible underwriting guidelines allow for more approvals This is the best product for a home buyer to enter the real estate market for the

Underwriting Guidelines

  Realtors, CPA’s, Financial Advisors and other professionals…. We always want to be available to answer your specific questions (406) 862-4999, but if we’re not, here’s where we find most of them: Conventional Loan Rules (Fannie Mae Selling Guide) Section B-2-2: Borrower Eligibility Section B-2-3: Property Eligibility Section B-3-3: Income Section B-3-4: Assets (Funds) Product Guide for

Mortgage Checklist – Documents We May Require

***Are you getting an Adjustable Rate Mortgage (ARM)? Please review this disclosure and CHARM information packet from the CFPB (Consumer Financial Protection Bureau). ***Are you Buying a Home? Please review the Home Loan Toolkit disclosure and information packet from the CFPB (Consumer Financial Protection Bureau). The following verifications can take place during the loan process: Online or


We can provide one-stop application & processing for your land purchase, construction & long-term mortgage.   Local construction financing FHA 203K Renovation Rehabilitation Mortgage Appraised value, completed product mortgage financing Budgeting & project support for the first time builder through the experienced contractor We help you secure a locked interest rate before or during construction, and

Credit Repair

Is your credit affecting your loan approval? Is your interest rate on your mortgage going to be affected by your credit score? If you have not seen your credit score in a while, we are happy to inform you of your credit information as part of our standard loan application process. Often, we are able

Mortgage Glossary – Words That We Use (?)

Here is an alphabetical glossary or words commonly used in the mortgage business Adjustable-Rate Mortgage (ARM) A mortgage with an interest rate that changes during the life of the loan according to movements in an index rate. Sometimes called AMLs (adjustable mortgage loans) or VRMs (variable-rate mortgages). Adjustment Date The date that the interest rate