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The name of our real estate branch, the H.O.M.E. Branch, reflects the level of customer service you deserve. H.O.M.E. stands for Home Ownership Made Easy.

We are pleased to offer a wide variety of Real Estate Loans. We offer Conventional Home Mortgage Loans - Fixed Rate, Adjustable Rate or a Combination of Fixed and Adjustable Rate Loans, Construction Loans, affordable housing loan programs such as Montana Board of Housing Loans, Glacier Affordable Housing Foundation Loans, FHA and VA Loans, all custom tailored to fit your needs. For more information on applicable terms and fees for the various types of real estate loans we offer, please contact a banker at our H.O.M.E. branch, or stop by any of our other convenient locations.

Real Estate Loan Information:

Click here to use our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.

How Do We Start the Process?
Applying for a home loan at Valley Bank is fast. Simply call our H.O.M.E. Branch at 406-495-2520 and we will do the rest! Our professional and knowledgeable real estate loan staff will personally go through the loan application process with you and help you with any questions you may have. We pride ourselves on quick, informative and dependable service. We strive to offer you the loan which most closely matches your current needs and long-term plans.

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Conventional Loan Information
Valley Bank offers conventional home mortgages designed uniquely for our customers. We offer competitive fixed and/or variable interest rates and flexible terms. We can design a conventional loan to suit your needs or you can choose from one of our special products listed below. The term of the loan can be extended for smaller monthly payments, or reduce the term of the loan and that may save you money and help build the equity in your home faster.

Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.

For current rates stop by or contact at 406-495-2520

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Affordable Housing Mortgage Loans
Montana Board of Housing

• We offer low interest MBOH mortgage loans for Montanans with low and moderate incomes.
• Additional information about MBOH mortgage loans, click here.

Rural Development Guaranteed Loans

• Rural Development Guaranteed Loans are primarily used to help low-income individuals or households purchase homes in rural areas. There are income limits used in qualifying for this loan. Housing must be modest in size, design, and cost. In addition, applicants must have reasonable credit histories.

Glacier Affordable Housing Foundation

• This First Time Homebuyer's Program is designed to assist low and moderate income families become homeowners by providing down payment and closing cost assistance to be used towards the purchase of a home. We can arrange a 0% interest rate and no monthly payments on a portion of the purchase price of your home, through a unique program developed by Glacier Bank in conjunction with multiple government agencies.

Program Specifications:

• No previous homeownership within the past three years (there may be some exceptions - please ask for details)
• Assistance is available to afford a reasonable monthly house payment
• Acceptable credit
• Funding is somewhat limited - applications accepted on a first-come, first-served basis
• All borrowers must complete a home ownership course presented by the Glacier Affordable Housing Foundation
• Families must earn less than 80% of the median income. There is a sliding scale for family sizes and income (check with us for details)
• When you sell or refinance your house, the assistance received is subject to "recapture" which means that the funds go back into a pool of dollars to help other qualified families on their way to homeownership

Federal Housing Administration Loans - FHA Loans

• These loans are guaranteed by the Federal Housing Administration. FHA offers both fixed and adjustable rate mortgages. The loans can be designed to fit your needs with a variety of down payment options and repayment terms.
  

Veterans Administration Loans - VA Loans

• For veterans of military service. The Veterans Administration will guarantee repayments of the loan to the lender. Terms depend upon veteran status, loan amount and prior use of VA eligibility. These loans are similar to FHA and can be either fixed or adjustable rate mortgages.

Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.
For current rates stop by or contact us at 406-495-2520.

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Construction Loan Information

Click here to go to the Construction Loans page.

Contact a lender below for more information on a real estate loan. Please do not send sensitive financial information via e-mail. Thank you.

Click Here for our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.