620 Treeline RD., Kalispell, MT 59901
620 Treeline RD., Kalispell, MT 59901
Montana’s real estate market is unique — from Kalispell’s growing neighborhoods to rural land outside Whitefish, the right loan depends on where you’re buying, your financial situation, and your goals.
As an independent mortgage brokerage, we work with multiple lenders to match you with the loan program that fits your situation best — not just whatever one bank happens to offer. Use the cards below to find the option that sounds most like your situation, then reach out and we’ll take it from there.
We shop your loan across multiple institutions to find the most competitive rate and terms — not just the first option we have available.
We understand Flathead Valley property types, income patterns, and the local market conditions that affect your loan options.
We don’t confine ourselves to a 9–5 schedule. Reach out when it works for you and we’ll be there.
Great credit and ready to buy? A conventional loan typically offers competitive rates and flexible terms for qualified buyers putting down 3–20%.
Lower credit score or limited savings for a down payment? FHA loans are backed by the federal government and allow down payments as low as 3.5%.
Are you a veteran, active-duty service member, or qualifying surviving spouse? VA loans offer zero down payment and no private mortgage insurance.
Buying in a rural or suburban area of Montana? USDA loans offer zero down payment for eligible borrowers and properties — and much of Montana qualifies.
Building your dream home in the Flathead Valley? Get pre-qualified before you break ground so you know exactly what you’re working with.
Purchasing a higher-value property that exceeds conventional loan limits? Jumbo loans are designed for buyers who need financing above those thresholds.
Self-employed or your income doesn’t show up neatly on a tax return? We can qualify you based on your bank statements instead.
A bank can only offer you their own loan products. As a mortgage broker, Grizzly Mortgage works with multiple lending institutions — which means we can compare rates, terms, and loan programs across lenders to find the best fit for your situation. We work for you, not for a bank.
It depends on your credit score, how much you have for a down payment, the property you’re buying, and your financial goals. That’s exactly the conversation we have with every new client. Give our team a call at 406-890-8464 or start your application online and we’ll walk you through your options.
It depends on the loan type. FHA loans allow as little as 3.5% down. USDA and VA loans offer zero down payment for eligible borrowers and properties. Conventional loans typically require 3–20% depending on your situation. We’ll help you understand all your options before you commit to anything.
Requirements vary by loan type. FHA loans can work with scores as low as 580. Conventional loans typically require 620 or higher. VA and USDA loans have their own guidelines. As a broker, we work with multiple lenders and can often find options for a range of credit profiles — the best first step is a conversation.
Pre-qualification can often be done in a single conversation or through our online application. It gives you a clear picture of what you’re likely to be approved for before you start shopping for homes — which also makes your offer more competitive in a tight Montana market.
Yes. If your tax returns don’t reflect your actual income, a Bank Statement Loan may be a strong option. We use your bank statements to qualify you rather than relying solely on tax returns — making homeownership possible for more self-employed buyers and business owners.
Absolutely — and we love it. Buying your first home in Montana can feel overwhelming, and we take the time to explain every step in plain language. There are also first-time homebuyer programs that may offer down payment assistance or favorable rates. Ask us whether you qualify.