If you’re a first-time homebuyer in Montana, you may qualify for special programs that make homeownership more affordable. Note that specific programs may or may not be available. Check with your agent or lender for verification.

Montana Board of Housing (MBOH) First-Time Homebuyer Program

    • Offers low-interest, 30-year fixed-rate loans for first-time buyers.
    • Income limits and purchase price limits apply based on location.
    • Must complete a homebuyer education course.

Montana Down Payment Assistance Programs

    • Provides up to $15,000 in assistance for eligible first-time buyers.
    • Can be combined with MBOH loan programs.

Rural Development (USDA) Loans

    • No down payment required for eligible properties in rural Montana areas.
    • Lower mortgage insurance compared to conventional loans.

VA Home Loans for Veterans

    • No down payment and no private mortgage insurance (PMI) required.
    • Available to eligible military members, veterans, and surviving spouses.

FHA Loans

    • Low down payment (as little as 3.5%).
    • Great for buyers with lower credit scores.

Ready to start your journey to homeownership? Call us today, and let’s find the right lender and mortgage option for you!