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Montana Homeownership Network


NeighborWorks Montana offers loan programs that enable individuals and families of lower and moderate income to achieve the American Dream of homeownership. Eligibility for all programs depends on income, number of people in the family, and credit worthiness.

For families that qualify for first mortgages from a financial institution, NWMT has loans for down-payment and closing costs up to $10,000 at various interest rates. In certain areas, we have loan programs that may provide up to $40,000 for low-income homebuyers. Most loans require monthly payments. Families below certain income limits may be able to qualify for 0% deferred second mortgages which do not require monthly payments and are repaid with equity share when the home is sold, is no longer the principal residence, or when the first mortgage is repaid.

August 2011 – Please READ important information regarding FHA Secondary Financing Changes

Review our loan product details.

First mortgages are available though banks, mortgage companies and credit union using special set-asides from the Montana Board of Housing and USDA Rural Development. Interest rates on these loans may be less than other conventional loans.

Many NWMT locations may have additional funds availaible for those meeting certain qualifications. Please click on a location below for more information.

NeighborWorks Great Falls provides second mortgages for down-payment and closing costs.

Glacier Affordable Housing Foundation provides down-payment and closing costs assistance.

North Missoula Community Development Corporation (NMCDC) – Land Stewardship Program

Human Resource Council District XI – you may also contact them through e-mail at

Gallatin County – The HRDC provides up to $20,000 in down-payment assistance for eligible families wishing to purchase in Gallatin County.