Affordable Mortgages and Home Loans in Western Montana

Capital Family Mortgage is a professional lender offering mortgages and home loans in the Missoula, Montana area.

We Can Help You Buy a Home

We’re the experts in affordable mortgages in Western Montana. With more than 29 years of experience, we understand the home loan market and can secure your mortgage fast.

Please contact our friendly team today to learn how we can help you.

Home Loans and Mortgages in Western Montana

Finding the perfect property can be a challenge. That’s why we’re here to guide you through choosing a mortgage that fits your needs and budget perfectly.

Our team of dedicated mortgage specialists will help you explore all the different loan options and provide clear explanations every step of the way.

What is a Conventional Loan?

You have endless choices when it comes to conventional loans. Whether you’re a first-time homebuyer or looking to refinance your current mortgage, there’s a program to suit your unique situation.

This means you get the chance to shop around and find the most competitive rates and terms out there.

  • Loan amounts up to $726,200
  • Down payment as low as 3% down for first-time buyers
  • Competitive mortgage insurance for a down payment of less than 20%
  • Flexible appraisal standards
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Great Service. Great experience. Would gladly recommend and use Capital Family again.
Kevin

What is a FHA Loan

The FHA is here to support you on your journey toward homeownership. And it’s accessible to everyone, not just first-time home buyers. As long as you’re purchasing a primary residence, it doesn’t matter whether it’s your first or fifth time buying a home.

With an FHA loan, you can roll the insurance premium into your loan amount, making it easier on your bank balance. Plus, you’ll only need to pay a small percentage of the loan amount yearly, and that’s conveniently included in your monthly mortgage payment.

FHA loans are insured by the Federal Housing Administration. FHA strives to improve housing standards and provide an adequate home financing system by insuring mortgages. FHA loans generally allow homebuyers the ability to purchase homes with smaller down payments and more lenient qualifications than conventional loans. FHA loans are open to all qualified borrowers; they are a great option for borrowers with less than perfect credit.

  • 580 minimum credit score
  • Interest rates lower than conventional lending
  • Less restrictive guidelines so qualifying is easier
  • 2-4 Unit properties only require 3.5% down

What is a USDA (Rural Development) Loan?

If you’re looking to live in a rural area and that includes most of Montana-US Department of Agriculture (USDA), loans could be an ideal choice for you. USDA guarantees these loans, which means lenders can offer very competitive terms. We specialize in helping people like you take full advantage of these benefits.

This wonderful initiative aims to support low-to-moderate-income families who dream of owning their own homes in a tranquil rural area. With a USDA loan, occupying the property as your primary residence is important; you can only have one loan at a time.

There are no limits on how much money you can borrow, but there are maximum income and net worth limits per household.

  • No down payment required
  • Lower interest rates than conventional loans
  • Insurance rates lower than FHA and most Conventional loans
  • Lower funding fees

A Rural Development loan is a great option offered to rural property owners guaranteed by the United States Department of Agriculture (USDA). Those who qualify are able to get special financing options for sanitary housing for low to moderate-income households. You must meet financial, property, location guidelines. Not sure if the home you want to buy is located in a rural area? Ask Us!

Great Service. Great experience. Would gladly recommend and use Capital Family again.
Kevin

What is a VA Loan?

Attention all military veterans and service members. Have you heard about the VA loan? It’s a mortgage loan designed for heroes like you. At Capital Family Mortgage, we understand the sacrifices you’ve made to protect our great nation, and we want to make homeownership as stress-free as possible.

VA loans are offered by trusted lenders and backed by the Department of Veterans Affairs (VA). Whether you’re buying your first property, building from scratch, or looking to refinance an existing one, this excellent program covers it all.

The benefits are unmatched. Not only do these loans feature low-interest rates that will save you money, but they come with no down payment requirement. That means zero upfront cost and more cash for things like settling into your new place.

So go ahead and seize this opportunity for affordable housing solutions tailored specifically for those dedicated individuals who have proudly served our country. You deserve nothing less than outstanding support on every step toward achieving your dream home.

VA Loan Benefits

A VA loan is a mortgage loan made specifically for eligible military veterans, service members and their spouses. It offers incomparable benefits and is issued through lenders but guaranteed by the Department of Veterans Affairs. This program can be used to purchase, build or refinance a home. 

What is a Reverse Mortgage

Reverse mortgages are commonly known as a home mortgage equity conversion mortgage (HECM). Reverse mortgages enable you to access equity in your home and use it to supplement retirement income. You are still obligated to pay property taxes, home insurance, and HOA if applicable.

You may be eligible for a reverse mortgage loan if:

How Our Loan Process Works

Arranging a mortgage or home loan with Capital Family Mortgage is fast and easy. Here’s how it works:

Step One: Get in Touch

When you get in touch, a member of our lending team will answer any questions you have and explain the mortgages and loans we offer. We’ll also tell you what sort of information we need to support your loan application.

Step Two: We Chat About Your Circumstances

When we understand your situation better, we can check to see which loans you are eligible for and advise on the best option.

Step Three: Your Loan Application

If you decide to go ahead, our team will handle everything for you. We’ll process your application fast, so you won’t have to wait long.

Step Four: You're Approved

Job done! Your mortgage has been approved, and you can get ready to move into your dream home.

See What Our Happy Homebuyers Say

Unlock Your Dream Home in Western Montana

At Capital Family Mortgage, we offer a range of affordable mortgages and loans to home buyers across Western Montana.

Contact our Stevensville or Missoula office today to find out how we can help you.