Home Loans

Interior of a rustic family room

We offer loans for purchases, refinances, or putting your equity to work.

Refinance with Express Mortgage

Borrow up to $325,000 for up to 20 years at a fixed rate.

Flat fee as low as $1,699

Half what most banks charge, and no other fees!

  • NO appraisal fees
  • NO underwriting fees
  • NO application fees
  • NO processing fees
  • NO origination fees 
  • NO credit report fees

Fixed Annual Percentage Rate based on 10-Year US Treasury Bill plus a margin at time of application. For loans above $250,000, flat fee of $1,999 applies.

Home Equity Line of Credit

Variable APR as low as Prime plus Zero. A ready source of cash when you need it

  • Lines up to $250,000
  • Easy anytime advances online, by check, phone or in person
  • Interest may be tax deductible (Consult your tax advisor)
  • Use for home improvements, bill consolidation, car repairs and other purposes

Annual Percentage Rate based on Wall Street Journal Prime Rate.

Download HELOC Application

First Mortgages

For purchases or refinances

  • Competitive rates
  • Terms up to 30 years
  • Fixed or variable rates
  • 0-point options
  • Conventional, FHA, USDA and RD mortgages
  • Rentals and owner-occupied 1-4 unit properties
  • Lower fees than most banks

Maximum loan amount: $484,350 for a single residence and up to $931,600 for a four-unit.  Loans available on residences, condos and townhomes in MT only. All loans subject to approval.

View our current home loan rates