620 Treeline RD., Kalispell, MT 59901
620 Treeline RD., Kalispell, MT 59901
The VA loan is one of the most powerful home financing benefits available — and it exists exclusively for veterans, active-duty service members, and qualifying surviving spouses. Backed by the U.S. Department of Veterans Affairs, VA loans offer zero down payment, no private mortgage insurance, and some of the most competitive interest rates available anywhere.
At Grizzly Mortgage, we take the responsibility of serving Montana’s veterans seriously. Cole, one of our loan originators, served 11 years in military law enforcement and continues to serve in the reserves today. He understands what the VA loan process looks like from the inside — and he’s here to make it as smooth and stress-free as possible for every veteran we serve.
Give us a call at 406-890-8464 or start your VA loan application today.
Buy a home in Montana with no down payment required — one of the most significant benefits available to veterans.
VA loans do not require Private Mortgage Insurance, saving you hundreds of dollars every month compared to other loan types.
VA loans consistently offer some of the lowest interest rates available — a direct reward for your service to the country.
Your VA loan benefit is not a one-time offer. Eligible veterans can use it multiple times throughout their lifetime.
A fixed-rate VA loan gives you a stable, predictable monthly payment for the life of the loan. This is the most common choice for Montana veterans who want long-term stability and plan to stay in their home for many years.
A VA adjustable-rate mortgage starts with a lower fixed rate for an initial period before adjusting annually. This may be a good fit for active-duty service members who expect to relocate before the adjustment period begins, as it can lower initial monthly payments.
VA loans are available to eligible veterans, active-duty service members, National Guard and Reserve members who meet service requirements, and qualifying surviving spouses of service members who died in the line of duty or from a service-related disability. The first step is obtaining a Certificate of Eligibility (COE) from the VA — something we can help you get as part of the application process.
No — one of the most significant benefits of a VA loan is that eligible borrowers can purchase a home with zero down payment. There are no loan amount limits for borrowers with full VA entitlement, meaning you can purchase at any price point without a down payment as long as you qualify for the loan amount.
The VA funding fee is a one-time fee paid to the VA to help sustain the program for future generations of veterans. The amount varies based on your down payment, whether it’s your first VA loan, and your military category. The good news is that the funding fee can be rolled into your loan amount rather than paid out of pocket at closing. Some veterans are exempt from the fee entirely — including those with a service-connected disability rating. Ask us whether you qualify for an exemption.
Yes. Your VA loan benefit is not a one-time use. You can use it multiple times throughout your lifetime as long as you have remaining entitlement. If you’ve used your VA loan benefit before and paid it off, your entitlement is typically restored. You may also be able to have two VA loans at the same time in certain circumstances. This is one of the most misunderstood aspects of the VA loan benefit — and one worth discussing with us directly.
For borrowers with full VA entitlement, there are technically no VA loan limits — you can borrow as much as a lender is willing to approve. However, borrowers with reduced entitlement (typically because they have an existing VA loan) may be subject to county loan limits. Flathead County has its own specific limits that are updated annually. Give us a call and we’ll walk you through where you stand.
VA loans can be used to purchase single-family homes, certain condominiums, multi-unit properties (up to four units if you occupy one), and manufactured homes that meet VA standards. The property must be your primary residence and must meet VA Minimum Property Requirements (MPRs) — standards that ensure the home is safe, structurally sound, and sanitary. VA appraisals are separate from inspections and focus specifically on these requirements.
Our team — including Cole, who served 11 years in military law enforcement — understands the VA loan process inside and out. We’ll help you obtain your Certificate of Eligibility, walk you through the application, order the VA appraisal, and coordinate with the lender to get your loan funded on time. We know that buying a home is one of the biggest decisions you’ll make, and we take the responsibility of serving Montana’s veterans seriously.
Yes — VA construction loans are available for eligible veterans who want to build a new home rather than purchase an existing one. The process is more complex than a standard VA purchase loan, but it’s absolutely doable. If you’re planning to build in the Flathead Valley, give us a call and we’ll walk you through the VA construction loan process and help you understand your options.