Montana Mortgages Aren’t One-Size-Fits-All.

Neither Are We.

Whether you’re buying your first home, moving up, investing, refinancing, or have a situation that doesn’t fit neatly into a traditional lending box, Black Diamond Mortgage helps you find the right way forward.

As an independent Montana mortgage broker, we shop a broad network of lenders and loan programs to find financing that fits you — not the other way around.

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★★★★★ Trusted by Montana homebuyers | Local experts | More lenders. More options.

 

One Mortgage Company. A Lot More Options.

Banks typically offer their own products. We shop many.

Black Diamond Mortgage works with a broad network of wholesale lenders, giving our team access to a wide range of rates, programs and underwriting options.

🏡 Buying a Home

From first-time buyers to move-up homes, second homes and investment properties, we’ll help you understand your options and buying power.

💼 Self-Employed or Unique Income

Business owners, bank statements, multiple income sources and complicated tax returns don’t always fit neatly into traditional lending guidelines. We know where to look.

💎 Complicated Situation?

Unique property? Credit challenge? Recently turned down? Something just doesn’t fit? This is where having more lending options really matters.

VA, FHA & USDA

We work extensively with government-backed programs, including VA, FHA and USDA financing, as well as conventional and specialty loan programs.

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Don’t Take Our Word for It.

Great experience with Black Diamond Mortgage. Maria and Summer were always helpful, responsive, and professional throughout the entire process. They made everything easy and kept us informed every step of the way. Thank you both for helping us purchase our new home!  G.S
Black Diamond made my refi process really smooth. I appreciated all of the communication and the help I received with getting everything done. 10/10 recommend them! S.G
Black diamond mortgage was a great company to work with. Zach Falk is so kind and Caring. He helped relieve our stress on the whole process. He made sure he was there for us through the whole time. He explained everything as we went and answered all of our questions. I would recommend them anytime! H.M
“ABOVE AND BEYOND” – is truly the only words that come to mind from my entire experience working with Maria and her team. I was a first time home buyer and she went so far beyond what I ever expected and made the entire experience so much better. She truly kept me out of trouble working with other dare I say ‘predatory’ brokers who gave me atrocious rates in order to take my money…looking back they knew I was a first time buyer and wanted to lock me in with crazy high rates. On top of that she was able to put together an aggressive loan using my self employment income, which other lenders said “they couldn’t do”. Maria is an expert. Full stop.  When buying a home experience of the lenders matters and Maria’s mastery is beyond question.
I HIGHLY recommend her for all of your needs and quite frankly I’d suggest you end your search now and work with her. You won’t ever question your choice. I am looking forward to working with Maria and Black Diamond exclusively for many years to come. B.
Zach, Maria, Jordon, and the whole team at Black Diamond were amazing to work with. We came to them with lots of unique challenges and they made it happen just as we had hoped it would. Their patience, understanding and expertise are second to none. B.M
I went into black diamond hoping to work towards getting a home. Dave ran the numbers and was able to find me financing right away. I am highly impressed with the efficiency, commitment and communication that they provide. They were right there with me helping me navigate through the process of purchasing a home. Through their efforts I was able to finally get out of the rental I lived in and move into a home. I will gladly recommend black diamond to anyone who wants to buy a home. Thank you to the black diamond team. D.R
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OUR PROFESSIONAL MORTGAGE LOAN ORIGINATORS

David Boye

Broker / Owner - Chief Executive Officer

NMLS #235086

Heather Nelson

Loan Officer

NMLS #2351641

Tyler Bennett

Loan Officer

NMLS #1629620

Maria Phelps

Broker / Owner - Chief Operations Officer

NMLS #1403722

Nathan Stoll

Loan Officer

NMLS #2577683

Zach Falk

Sales and Processing Manager / Loan Officer

NMLS #2082543

Dewey Allen

Loan Officer

NMLS #283828

Terry Falk

Loan Officer

NMLS #120326

Jordon Fletcher

Loan Officer

NMLS #2700375

Jeff Crow

Loan Officer

NMLS #2803159

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What We Stand For 

At Black Diamond Mortgage, we don’t believe in pre-packaged loan solutions. Your financial journey is personal, and your mortgage should reflect that as well. As Montana’s trusted local mortgage brokers, we work with a broad network of both prime and private lenders to offer flexible, customized solutions that suit your needs. Whether you’re navigating credit challenges, income challenges, or just want the best possible rate, we’re here to help.

We also partner with many different home ownership protection programs offered through government entities. These include, but are not limited to: the FHA, USDA RD, VA, Fannie Mae, and Freddie Mac. This helps us lower your monthly payments and helps provide low-cost home ownership to everyone who needs it!

Our Commitment to You

We understand that mortgage financing in Montana can feel overwhelming, but that’s where we come in. At Black Diamond Mortgage, we help you understand your full range of options. We offer financing for purchases, refinances, cash-out loans, debt consolidation, home fair solutions, and renovation loans.

Our office is based in Whitefish, MT, but we proudly serve homeowners and buyers in Kalispell, Columbia Falls, Bigfork, Eureka, Libby, Missoula, Bozeman, Helena, Billings, and beyond. No matter where you are within Montana, we’re here to help.

Rooted in Montana, Just Like You

We’re not a call center. We’re not a national chain. We’re Montanans, just like you. You’ll find us at the grocery store, on the hiking trails, or even golfing at the club. We’ve lived through the same factors you’re facing. For example, buying a home, building a life, and figuring it all out along the way.

We want you to feel confident, informed, and empowered throughout your mortgage journey. Our mission is to make financing simple and stress-free.

Statewide Services

From Northwest Montana to Southeast Montana and everywhere in between, we’re here for you. We’ve built lasting relationships in the communities, including: Whitefish, Kalispell, Columbia Falls, Bigfork, Eureka, Libby, Missoula, Butte, Bozeman, Helena, Billings, Miles City, Great Falls, Anaconda, Havre, Belgrade, Livingston, Dillon, and many more!

Digital Convenience but Real Connections

We’ve embraced technology to make the mortgage process easier than ever. With secure digital platforms, you can complete your paperwork from anywhere, quickly, safely, and conveniently. 

Let’s Talk

Buying a home, refinancing, or simply exploring your options? Contact us, Black Diamond Mortgage, today. Let’s pave the right path for you.

 

We are dedicated to our Clients!

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We offer Personalized Training for your company!

Whether you are in the Mortgage Industry or not, we offer Leadership, Networking and General Business Training and Lectures

View our Extensive Video Library

Most of our Training is available to view! Check out our Videos on various topics!