Skip Navigation Download Acrobat Reader 5.0 or higher to view PDF files.

Real Estate Loans

We know our way around the block when it comes to home loans.

Are you ready to finance the home of your dreams? Whether you’ve found your first home or are looking at floor plans for your third perfect place, we can help you find the loan that makes you feel right at home.
 
Not all mortgages are created equal, and our experienced lenders can help you sort through our wide variety of financing options.
 
 

There's no time like NOW!

Complete your home loan application in about 10 minutes!

If you are ready to apply or even just want to meet a Home Loan Lending Expert, click the button below:
 
 

WSB Home Loan Options: 

CONVENTIONAL LOANS - (Fannie Mae & Freddie Mac)

  • Low down payment
  • Fixed and adjustable rate programs
  • Automated underwriting
  • No private mortgage insurance if loan-to-value is 80% or less

FHA - (Federal Housing Administration)

  • Loan limits vary by geographic area
  • Assumable to qualified purchaser
  • Low down payment
  • Fixed and adjustable rate programs
  • Mortgage insurance required in most cases

VA - (Veterans Affairs)

  • Must be qualified Military Veteran
  • 100% financing in most cases
  • Fixed and adjustable rate programs
  • Assumable to qualified purchaser with or without release of liability
  • No mortgage insurance required

RD - (Rural Development)

  • Up to 100% financing
  • Low monthly mortgage insurance
  • Income limits apply
  • Must be outside of the city limits

FIRST TIME HOMEBUYER - (Montana Board of Housing)

  • Montana Board of Housing (MBOH) sells tax-exempt revenue bonds to assist homebuyers to obtain financing at interest rates usually lower than market rates
  • Borrowers must qualify for an FHA, VA or RD loan in order to receive funding from MBOH
  • Sales price limits for existing homes and new construction apply
  • Income limits apply
  • Recapture tax applies

JUMBO MORTGAGES

Jumbo loans are available when the loan amount will exceed the “conforming limit.”

FIXED RATE MORTGAGES

Fixed rate mortgages are the most popular. The rate will not change over the term of the loan.

ADJUSTABLE RATE MORTGAGES (ARM)

Interest rate is subject to change upon predetermined time frame. Products are available with an initial fixed rate period of three, five, seven, or ten years after which the interest rate would adjust once a year. ARM loans are attractive to purchasers based on certain circumstances. Some ARM loans can be converted to a fixed rate.

NEW CONSTRUCTION

Our All-In-One Construction-to-Permanent Loan combines both the construction loan and the permanent
home financing into a single loan with just one closing. It begins with an interest-only construction period and then rolls directly into and adjustable rate mortgage.