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First Bank of Montana
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Complete your home loan application in about 10 minutes!
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We have options for every mortgage need.

A conventional mortgage is a loan that is not guaranteed or insured by any government agency. Conventional mortgages can be conforming or non-conforming. Conforming mortgages follow Fannie Mae, Freddie Mac and Government-Sponsored Enterprise (GSE) guidelines. A typical conventional mortgage offers a longer repayment term, fixed rate options, and down-payment requirements. They’re available for financing one to four primary residences, second homes and investment properties.
Federal Housing Authority (FHA) loans are federally-backed and provided by an FHA-approved lender. FHA loans typically have lower minimum down-payment requirements than conventional loans and are more flexible with regard to credit score requirements. FHA loan recipients are required to carry mortgage insurance and need to live in the residence for the first year. These loans typically have lower rates than conventional loans.
NeighborWorks® Montana is a leader in housing education and counseling for Montana. Learn how to empower yourself to secure a place you can proudly call home. Find out more about the Online Homebuyer Education courses they offer.
Montana Board of Housing (MBOH) works with partners across the state to ensure Montana’s hard-working families and communities have safe and affordable homes. MBOH accomplishes this by issuing tax-exempt bonds, administering federal housing programs, offering down payment assistance and working with cities, counties, non-profits, lenders, employers and others who are willing to step in and help make home ownership happen.
A portfolio loan is one that the lender keeps ‘on-their-own-books’ rather than selling on the secondary mortgage market, where lenders buy and sell loans and servicing rights. These mortgages are often used to serve customers who fall just outside the guidelines for a secondary market loan.
Rural Development (RD) loans are designed to serve buyers in identified rural areas. These mortgages are guaranteed by the US Department of Agriculture (USDA), which sets lending guidelines. These loans are provided by approved lenders, and offer 100% financing, low rates, and affordable payments. RD loans have income limits based on family size.
Since 1944, active-duty service members, veterans, reservists and surviving, unmarried spouses, have attained affordable home ownership through the VA loan program. These loans are backed by the US Department of Veterans Affairs (VA), and provided by approved lenders. They allow qualifying buyers to secure 100% financing at lower rates and fees than with conventional mortgages.

Learn the Process. Earn the Reward.

Gain valuable homebuying knowledge and save money at closing. Get $595 toward closing costs when you complete our Owning a Home education modules to receive a credit at closing on your home purchase. Valid through December 31, 2026.
Quick & Easy Learning
✔ 8 interactive online modules
✔ About 10 minutes each
✔ Self-paced—learn anytime
 
How to Qualify
  • Home purchase loans only
  • Complete modules at least 2 weeks prior to closing
  • Contact your lender after completion
Get Started Today
Limited Time
Valid through December 31, 2026
 
*This exclusive offer expires 12/31/2026. Offer valid for up to $595 towards closing costs. Available with First Bank of Montana home purchase secondary market, conventional, FHA, VA and Rural Development (USDA) Loans up to applicable agency loan limit. Offer only valid for costs described and cannot be used to decrease loan amount. Loan must close with First Bank of Montana. All loan decisions are subject to First Bank of Montana’s internal lending constraints and the unique credit circumstances of the borrower. Employees are not eligible for the Smart Start Homebuyer Incentive.


Proudly serving our Montana communities for the last 100 years with branches in
Lewistown, Big Sandy, Chester, Chinook, Choteau, Conrad, Fairfield, Fort Benton, Plentywood and Vaughn.