Montana Property Network
Home Buying Programs & Loans
Explore financing options tailored to your situation. Find the right program for your Montana home purchase.
Showing 12 of 12 programs
VA Loan
Zero down payment loans for eligible veterans and service members with competitive rates.
0%
No minimum required (typically 620+)
FHA Loan
Government-insured loans with lower down payments and flexible credit requirements.
3.5% - 10%
500+ (higher scores get better rates)
USDA Rural Development Loan
Zero down payment loans for properties in eligible rural areas with no mortgage insurance.
0%
No minimum (typically 620+)
Conventional Mortgage
Traditional mortgage loans not backed by government, with various down payment options.
3% - 20% (PMI required below 20%)
620+ (740+ for best rates)
First-Time Homebuyer Programs
Special programs and down payment assistance for first-time home buyers.
0-3% (assistance covers rest)
500-680+ (varies)
Jumbo Loan
High-value mortgages for luxury properties exceeding conventional loan limits.
10-20%+ (varies by lender)
740+
Adjustable Rate Mortgage (ARM)
Mortgages with interest rates that adjust periodically after an initial fixed period.
3-5% typical (varies)
680+
Fixed-Rate Mortgage
Traditional mortgages with interest rates that remain constant throughout the loan term.
3-20%+
620+
Construction/New Home Loan
Specialized loans for financing new home construction with disbursement during building phases.
5-20% typical
680-700+
Bad Credit/Credit Challenged Loans
Mortgage options for buyers with lower credit scores or credit challenges.
3.5-10%
500-620+
Down Payment Assistance Programs
State and local programs that provide grants or favorable terms to help with down payments.
0-5% (program covers rest)
500-680+ (varies)
Investment Property Loan
Mortgages for purchasing rental properties and investment homes.
15-25%+ typical
700+
Choosing the Right Program
Your Financial Situation
Consider your credit score, savings, income, and debt when selecting a program. Each has different requirements.
Property Type & Location
Some programs are limited to rural areas (USDA), specific states, or owner-occupied properties only.
Long-Term Goals
Consider your plans (fixed payment certainty vs. initial savings), timeline, and whether rates will change.