Grizzly Mortgage

How Can We Help You?

As an independent Montana mortgage brokerage, we work with multiple lenders to find the right loan for your situation. Select the option that best describes what you’re looking for.

What Are You Looking to Do?

Choose the option that best describes your situation — or give us a call at 406-890-8464 and we’ll point you in the right direction.

I Want to Buy a Home

Whether you’re a first-time buyer, upgrading to something larger, or purchasing an investment property — we have a loan program for your situation. As an independent broker, we shop multiple lenders to find the most competitive rate available.

Conventional, FHA, VA, USDA
New construction loans
Jumbo loans
Bank statement loans for self-employed buyers

I Want to Refinance

Lower your rate, change your loan term, switch from an adjustable to a fixed rate, or access cash from your home’s equity through a cash-out refinance. We run the numbers honestly before recommending anything.

Rate and term refinance
Cash-out refinance
FHA and VA streamline refinances
From adjustable to fixed rate

I Want to Access My Home’s Equity

You’ve built equity in your Montana home — put it to work. Whether you want flexible ongoing access through a HELOC or a lump sum at a fixed rate through a second mortgage, we’ll help you find the right fit.

Home Equity Line of Credit (HELOC)
Fixed-rate second mortgage
Keep your existing first mortgage rate
No need to refinance your primary loan

I need commercial financing

Whether you’re purchasing a business property, expanding operations, or investing in Montana real estate — we work with a broad network of commercial lending partners to find the right financing structure for your project.

Commercial real estate
Investment & multi-family properties
SBA loans
Construction & development
Bridge loans & equipment financing

Multiple

Lenders We Work With

We’re not tied to one bank. We shop multiple lending institutions to find the best rate and terms for your situation.

2024 & 2025

Best of Flathead Winner

Voted Best of Flathead two years running — recognized by the Flathead Valley community for exceptional service.

100+

Five-Star Reviews

Montana homebuyers trust Grizzly Mortgage. Our reviews reflect the care and commitment we bring to every client relationship.

Not Sure Which Path Is Right for You?

That’s exactly what we’re here for. Give us a call at 406-890-8464 and we’ll ask a few questions, run the numbers, and point you in the right direction — no pressure, no jargon, just honest guidance.

What Montana Homeowners Say About Grizzly Mortgage

Darel and the team at Grizzly Mortgage are fantastic to work with. We have used several different lenders over the past several years and our experience here was by far the best. Darel is very knowledgeable, gives great advice, and we knew he was looking out for our best interest — and interest rate.

Ben Petro

If you want a lender who will give you the attention you need, Grizzly Mortgage and Darel Handley is your solution. You will not find anyone who will work harder to secure your loan while keeping as much money in your pocket as possible.

Derek Barlette

Grizzly Mortgage helped us get our loan in a crazy market! Darel and his team were super responsive, very prompt, and pleasant to deal with. In addition, Darel offered some invaluable advice about how much to put down. This kept some much-needed cash in hand that we didn’t anticipate needing. A+.

Billy Fernandez