Skip Navigation Download Acrobat Reader 5.0 or higher to view PDF files.
Western Security Bank
Online Banking Access

Real Estate Loans

Limited Time Incentive!

Get up to $1,500 or 0.50% discount when you finance your new home with Western Security Bank. This lender incentive can be used to pay for any combination of the following costs: 
  • Closing Costs
  • Prepaid Items
  • Permanent or Temporary Interest Rate Buy Down
Talk to your lender today to take advantage of this offer! Only available until December 31, 2023.*
 

Build Once, Get a Discount TWICE!

We'll match your builder's 1% discount up to $5,000 when financing your home through Western Security Bank.** Offer available until December 31, 2023. Our Builder Match can be used to pay for any combination of the following costs:

  • Closing Costs
  • Prepaid Items
  • Permanent or Temporary Interest RATE Buy Down

 

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:


Make a Mortgage Loan Payment

Make your payment electronically with our convenient Loan Payment Portal. Register, make a loan payment or just learn more about it by clicking the link below:


*This exclusive deal expires on June 30, 2023. Offer valid for up to $1,500 or 0.50% of loan amount, whichever is smaller. Available with Western Security Bank secondary market conventional, FHA, and VA Loans up to $726,200 Offer only valid for costs described and cannot be used to decrease loan amount. Not valid with custom construction or any other promotion. Loan must close with Western Security Bank. All loan decisions are subject to Western Security Bank’s internal lending constraints and the unique credit circumstances of the borrow. Employees are not eligible for lender incentive.
 
**Available with Western Security Bank secondary market conventional, FHA, and VA Loans up to $726,200. Discount is equal to the lesser of: 1% of total loan amount or $5,000. Promotion applies to existing builder inventory only. Not valid with custom construction or any other promotion. Builder must match discount provided by Western Security Bank to qualify. Rate must be locked in by December 31, 2023. All loan decisions are subject to Western Security Bank’s internal lending constraints and the unique credit circumstances of the borrow.

We have options for every mortgage need.

  • Low down payment
  • Fixed and adjustable rate programs
  • Automated underwriting
  • No private mortgage insurance if loan-to-value is 80% or less
  • Loan limits vary by geographic area
  • Assumable to qualified purchaser
  • Low down payment
  • Fixed and adjustable rate programs
  • Mortgage insurance required in most cases
  • 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
  • Up to 100% financing
  • Low monthly mortgage insurance
  • Income limits apply
  • Must be outside of the city limits


  • 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 loans are available when the loan amount will exceed the “conforming limit.”
Fixed rate mortgages are the most popular. The rate will not change over the term of the loan.
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. For more information about Adjustable Rate Mortgages, check out the CHARM booklet from the CFPB.
Whether it's your first home, your dream home or something in between, our construction loan experts stand ready to help your finance your home construction project. If you are interested in learning more about financing your home construction, contact one of our lenders.