Housing Resource Directory





The Montana Home Choice Coalition is a coalition of Montana citizens with disabilities; service and affordable housing providers; advocates, federal, state, tribal, and local agencies; the housing finance community; Realtors®; and the housing building industry working together to create better community housing choices for people and families with disabilities. A.W.A.R.E., Inc., a statewide Montana nonprofit disability services provider, serves as the lead coordinating agency of the coalition, and sustains the coalition with financial and organizational support. The coalition works on housing issues ranging from homelessness to supportive housing to affordable rentals to homeownership including development and construction, resource development, and education, training, and advocacy. The coalition provides technical assistance on housing financing, accessible housing design, and fair housing issues.

The coalition’s website, www.montanahomechoice.org, provides a comprehensive, one-stop affordable housing information center for the state. It includes information searchable by county on affordable rentals, homeownership, housing development resources, accessible design, fair housing, and demographic information on disability.

The coalition provides persons and families with disabilities pre- and post-purchase housing counseling and referrals to existing community resources around the state. The coalition works to bring additional homebuyer assistance resources to individuals and families with disabilities living in communities across the state. The coalition provides information to prospective homebuyers on various housing resources and opportunities so they can make informed choices about their unique circumstances. The coalition works with homebuyers, their family members and caregivers, lenders, and Realtors® to facilitate the successful achievement of homeownership for persons and families with disabilities. The coalition will also provide housing counseling and advocacy support to individuals with disabilities, and their support teams, on other challenging housing issues they may face.

Contact: Michael O’Neil, Montana Home Choice Coalition / A.W.A.R.E.: 406.449.3120, extension 11; Fax: 406.449.3125; TTY Relay Service: 800.253.4091.


NeighborWorks® Montana (formerly Montana Homeownership Network) is a partnership of approximately 26 state and local government agencies, local and regional nonprofit corporations, housing industry associations and private lenders who work together to provide housing opportunities in order to stabilize Montana’s communities and allow Montana families to become responsible, successful homeowners. NWMT is a nonprofit organization providing homebuyer education and one-on-one housing counseling, statewide matched savings accounts to be used for homeownership, anti-foreclosure counseling and loans, access to affordable first mortgages and down payment and closing cost funds to qualified homebuyers in all 56 Montana counties. Its partners offer homeless counseling, assistance to disabled homebuyers and safe and inexpensive rental units. Established out of an urgent need, especially in Montana’s rural localities, for home buying assistance for lower- and moderate-income families, NWMT partners provide the following:

  • Homebuyer education, individual homeownership planning and housing counseling (including counseling for foreclosure prevention and home equity mortgages) with funding from HUD and MBOH.
  • Access to first mortgages at discounted interest rates provided by MBOH and USDA-RD. Foreclosure Counseling is funded through the National Foreclosure Mitigation and Counseling Program through NeighborWorks® America.
  • Second mortgages for down payment and closing costs are provided by NWMT with federal, state (including Montana’s HOME program), and private funds. Loans may be deferred or amortized depending on the family income and availability of funds.
  • Foreclosure prevention lending. Foreclosure prevention loans are made by the NWMT office in Great Falls.
  • Mortgage applications and loan closings are processed by financial institutions across the state, and then sent to NWMT for second mortgage approval.
  • Through a matched-savings account, called the IDA program, homebuyers who save $1,000 qualify for a match of up to $4,000 to be used as a down payment on a home.

NWMT also provides pre-development loans for multi-family and single-family developments, including rentals. NWMT works with local partners to create new homes using manufactured housing and to preserve manufactured housing parks in Montana.

Contact: Maureen Rude, Director of Statewide Operations: 866.587.2244.


Homebuyer Education Providers/Other Service Providers

Apsaalooke Nation Housing Authority

Crow Agency

Phone:  (406) 638-7106

Beartooth RC&D

Joliet Phone: (406) 962-3914
Bitterroot RC&D Hamilton

Phone: (406) 363-5450

Blackfeet Housing 


Phone: (406) 338-5031
Central Montana RC&D Lewistown

Phone: (406) 535-2591

Eastern Plains RC&D


Phone: (406) 433-2103  x121
Headwaters RC&D


Phone: (406) 782-7333  x303
Homeword Billings Billings

Phone: (406) 255-0298

Homeword Missoula Missoula

Phone: (406) 532-4663  x23

Lake County Community Housing Ronan

Phone: (406) 676-5900

NeighborWorks Great Falls Great Falls

Phone: (406) 761-5861

North Central RC&D

Shelby Phone: (406) 434-9161  x112
NW Montana Human Resources Kalispell

Phone: (406) 758-5452

Rocky Mountain Development Council Helena

Phone: (406) 442-2265

Salish/Kootenai Housing Pablo

Phone: (406) 675-4491

Sanders County Community Housing Thompson Falls

Phone: (406) 370-1649


Foreclosure Mitigation and/or Housing Counseling

AWARE/Home Choice Coalition


Phone:  (406) 449-3120

Consumer Credit Counseling Services Montana - statewide

Great Falls Phone: (406) 761-8721

Homeword Missoula

Missoula Phone: (406) 532-4663  x23
Housing Montana Billings

Phone: (406) 294-4663

HRDC District 7 Billings

Phone: (406) 247-4710

Kalispell HRDC Libby

Phone: (406) 293-2712


Tribal Housing Partners

Fort Belknap Housing Authority


Phone:  (406) 353-2601

Fort Peck Indian Reservation

Poplar Phone: (406) 768-3155
Little Shell Chippewa Tribe Great Falls

Phone: (406) 452-2892

Northern Cheyenne Housing Authority Lame Deer

Phone: (406) 477-6419

Peoples Partners for Community Development Lame Deer

Phone: (406) 477-8911


NWGF is a nonprofit organization whose mission is to create homeownership opportunities for hard-working families in Cascade County and to rebuild historic neighborhoods in Great Falls. NWGF’s services include homebuyer education, housing counseling, and homeownership planning to families of all incomes. NWGF operates a Mutual Self-Help Program where families build their own homes, builds two homes with the Advanced Building Trades students at local high schools and constructs affordable in-fill housing. Through a matched-savings account, called the IDA program, homebuyers saving $1,000 qualify for a match of $4,000 to be used as a down payment on a home.

Contact: Alan Henry, Director of Operations, NeighborWorks Great Falls, 406.761.5861


With offices in Missoula and Billings, and project partners across the state, Homeword is committed to providing safe, healthy affordable housing using sustainable methods and promoting strong communities through housing counseling and education for those most in need. With offices in downtown Missoula and Billings, Homeword uses innovative, sustainable, and replicable methods to develop affordable housing and asset-building strategies for those most in need.

Developing Quality Affordable Housing: Homeword develops innovative approaches to affordable housing, pioneering new "green building" methods and models for building communities. A nationally recognized nonprofit Community Development Corporation, Homeword has helped produce numerous affordable housing units in Missoula and Billings and has helped hundreds of women, children, and families in need. By keeping rents and mortgages affordable, Homeword helps families overcome financial barriers and stabilize their lives. Homeword works with rural Montana communities to build affordable housing and strengthen local capacity to develop and maintain these housing projects.

Implementing a holistic approach to affordable housing, Homeword strives to:

  • Help women and families build equity and control of their housing
  • Use resource and energy efficient construction methods and alternative building materials
  • Utilize local resources for construction
  • Engage residents, neighbors, and community members in the planning and design process
  • Require general contractors to actively seek and hire minority and women-owned businesses
  • Create sustainable development models to ensure durable, well-maintained structures for over 50 years
  • Implement responsible urban planning and design principles
  • Educate families on the home buying process

Homeownership Education and Counseling Services: Homeword believes that homeownership is the cornerstone of family security, stability and prosperity. Homeword works to improve homeownership opportunities for individuals and families by helping them build assets and stabilize their lives. Walk-in Homeownership Centers, located in downtown Missoula and Billings, provide free comprehensive services that help low-income households purchase and retain their first home. A $10 materials fee may apply. Services include:

  • "Get Ready for Homeownership" Class: This 10-hour class provides individuals with interactive education and information about the steps to homeownership. One in three people who participate in this class successfully purchase a home, as compared to the national average of one in seven.
  • Home$tart Down Payment Assistance Program: This program offers low-income families incentive to save towards the cost of down payment and closing costs. In partnership with seven local lending institutions and the Federal Home Loan Bank of Seattle, families receive a 3:1 match in down payment savings, up to $5,000 per household.
  • One-on-one Counseling: Housing counseling is offered to individuals and families by both appointment and walk-ins. Finances are personal and often intimidating; therefore, Homeword staff works to accommodate the desires of each individual or family by arranging housing counseling sessions that address individual needs.
  • Foreclosure Prevention Counseling: Homeword provides HUD-certified Foreclosure Prevention Counseling. This program provides guidance and support to help families prevent foreclosing on their home.
  • Financial Fitness Program: This program is 12.5 hours, meets over a 5-week period, and is a nationally certified personal financial management course for adults. Free childcare, refreshments and door prizes are provided. Participants will learn how to set financial goals, create budgets and savings plans, understand credit reports, make smart borrowing choices, manage debt, make smart insurance and tax choices, and avoid financial pitfalls.

To register for any of the programs or services listed above, call or visit the website: Missoula 406.543.4663 - or - Billings 406.255.0298; www.Homeword.org

Contacts: Missoula: Katherine Sherba or Meghan Powell; 406.532.4663; Billings: Darrell LaMere; 406.255.0298; Executive Director Andrea Davis: 406.532.4663

301 S. PARK AVE, STE 240 | PO BOX 200528 | HELENA, MT 59620-0528 | P: 406.841.2840 | F: 406.841.2841 | TDD: 406.841.2702 | TOLL FREE: 800.761.6264