- 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.
On time and always helpful. Thank you!
Julia StarrettI have worked with Sam on three mortgages. He's hard working and honest, and I will keep going back!!
Robert SmithBrad at Capital Family Mortgage was professional, efficient, and made the entire process run smoothly. He was able to get us the best rate available and even took the time out of his very busy schedule to attend our closing. My husband and I highly recommend Brad and Capital Family Mortgage!
Melissa PorcaroSo happy with the rate for refinancing our mortgage. Renee did a great job. Would totally use Capital Family Mortgage in the future. Thank you so much!
Deana MatveevWorked with Teresa and she was awesome! Teresa was inciteful, very knowledgeable and in the last weeks dug in to shepherd my closing on time! If I do another mortgage, I will probably call Teresa first.
mark hightThis company has been the best I have used. I refinanced my home to take equity out to pay bills. They were able to close earlier than expected. The whole process for me, took less than 20 days. I would definitely use them again.
Carolyn HouseWe have bought and sold and refinanced over 40 years of our life. Sam and Brad we’re very honest and forthcoming in the process of a refinance. Our home and property are a bit unusual and presented or could have presented “Hiccups” In the process. I had questions and concerns and to be honest I’m a bit fussy and too inquisitive. Brad was patient and again very honest with me. I rarely leave feedback or comments but due to the fair treatment I received I felt it only fair to give them a pat on the back, well done. JO
jack ofalltradesI can’t say anything bad about Capital Family Mortgage. The process was seamless. Renee was awesome and listened and was there whenever we had questions. We closed faster than I ever thought possible due to her tireless efforts and amazing customer service! If I could give her 10 stars, I would.
Justin MartensI've used Capital Family Mortgage for years, and most recently last summer to refinance my home. They are AMAZING! These folks are professional, fast, friendly, and leave no stone unturned. If there was an option for ten stars, I'd give them that many!
Jennifer WellsRenee is awesome to work with.
Tyler GrutschAt 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