- 2307 Stephens Avenue Missoula, Montana 59801
- 115 West 3rd Street, Suite 208 Stevensville, Montana 59870
- (406) 549-1940
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Capital Family Mortgage is a professional lender offering mortgages and home loans in the Missoula, Montana area.
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.
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.
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.
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.
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.
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!
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.
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.
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.
Arranging a mortgage or home loan with Capital Family Mortgage is fast and easy. Here’s how it works:
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.
When we understand your situation better, we can check to see which loans you are eligible for and advise on the best option.
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.
Job done! Your mortgage has been approved, and you can get ready to move into your dream home.
My husband & I met with Teresa last year to find out what we needed to do to get ready to buy a home. We did what Teresa recommended and now we are in a position to purchase the home we rent. I emailed Teresa and left her a subsequent message with absolutely no response. We used Capital Family Mortgage in the past and wanted to give you our business. I see all positive comments on Google. Unfortunately we did not experience the same customer service. We will find another company.
JsBnMe 1
I cannot emphasize enough how easy, stressfree and enjoyable working with Renee from Capital Family Mortgage has been.
Renee was the first person I spoke to about the possibility of buying my first home in my early 20s before I knew if it would even be possible. She showed me the types of loans availible to me, the price range that would fit my budget, got me pre-approved and even helped me find a great real estate agent. Within a few months I was closing on my first place with financing that fit my needs and I did not have to do any of the leg work or stess about the process at all!
A few years later she assisted me through the home buying process a second time and most recently she assisted me through the refinancing process to get an even better rate!
Working with Renee and Capital Family Mortgage allowed me to dive into home ownership. Renee is an amazing communicator and extremely proactive ally. I reccomend Renee to anyone I know regardless of if they are ready to buy a home now of if they are just intersted in what may be availible to them. Happy to provide more information on my experience to anyone interested.
Trevor RehmBrad Hoshor did a bang up job for me on my refi. Unique in my experience with lenders was his ability to swiftly compare options and scenarios in order to arrive at the optimal configuration for the mortgage based on my personal situation. Dealing with real estate finance in general is a real drag but Brad made it a smooth, happy experience.
Chris JohnsonWe've financed several homes and have never had better service than from Capital Family. Sam answered all our questions (we had lots!) and explained the process. There's a million factors and we were impressed by how smoothly Capital Family closed our loan. With our most recent loan, we experienced several glitches (we submitted our taxes incorrectly last year!) but Sam caught the mistake and resolved the issue without missing a beat. We even got a great rate!
James KleetieTeresa Manlove is so amazing! She helped my husband and I with our first home purchase along with refinancing. We definitely recommend Capital Family Mortgage.
Sara DavidsonWe worked with Brad Hosher on our recent refinance and he made everything very smooth and easy. I would recommend him to anyone.
Travis SpinderJust closed on a house using Capital Family Mortgage. I highly recommend them! This was my first home, and Brad was very helpful keeping me informed in the buying process. Great people to work with! - Tony Lin
Tommy RocketRenee Endicott has helped us twice now getting us into the home home of our dreams for us and our business! One.of life's most stressful endeavors was made so much easier with Capital Family Mortgage and especially Renee with us to do much of the work for us. I just can't say enough great things about her!! Seriously, give her a call, you won't be sorry!! Thank you again!!!!!
Stacey WesterlundTeresa Manlove was fantastic! The complete home buying process was very easy. She was forward and upfront with what our budget was and gave us options to compare. She was very easy to get ahold of and responded to emails quickly. She was prompt to start the paperwork when we found a home and scheduled the appraisal right away. We closed within 30 days with time to spare. The staff at Capital Family Mortgage greeting us every time we walk in the office and all were pleasant to work with. We would highly recommend Teresa and Capital Family Mortgage to anyone purchasing a home.
Daniel SchenavarSam was a pleasure to work with, I would recommend him to anyone. He listened to what I needed and made the process simple. Thanks again for all your hard work
Shelby TrestleAt 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.
620
3-5%
Drop at 20% equity
620+
3.5%
For life of loan unless more than 10% down payment is made
Missoula County – call for loan limits for other counties.
640+
0%
Low Premium
Missoula County as other counties have different income limits
640+
0%
None
Loan Limits -Determined by VA eligibility