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Welcome to Montana Housing’s lender page. The success of Montana Housing relies heavily on our partnership with lenders. We work with Participating Lenders throughout the state to offer low-interest loans to eligible buyers. We also offer down payment assistance and mortgage credit certificates, which may increase a potential buyers’ purchasing power.

Why a Montana Housing loan?

Who is eligible for a Montana Housing Loan?

The funds used to purchase loans are from tax-exempt bonds called Mortgage Revenue Bonds (MRB’s), therefore, the IRS imposes seven eligibility requirements for which all borrowers must qualify under: 

  • Annual Gross Income Limits depending on number of people living in the household.
  • Purchase Price Limits that vary by county and whether an area is Targeted or Non-Targeted.
  • The residence must be a borrower’s primary residence.
  • Trade or business use cannot exceed 15% of the residence’s total area.
  • Be a first-time homebuyer, (not owned their principal residence during the previous three-years, some exceptions apply).
  • Funds must be used to purchase a home (refinancing not allowed in the programs).         
  • Recapture Tax is a possibility.

It is our goal to make sure our participating lenders understand our loan process by offering a variety of resources, including training for lending staff. Contact us to request training or for more program information.

Lender Online

Participating lenders can use our password-protected online system to submit loan reservations, check loan status, download pre-filled product forms and view updates and special product announcements. Visit Lender Online, our lender portal, to log on and get started now:

Login to Lender Portal

Additional Useful Information:

How to generate documents

How to upload documents

How to check for missing or final docs

Lender On-demand Training:

Purchase 101 Part 1: The Basics

This training by Montana Housing goes over purchase package timelines, purchase scheduling and penalty assessments. 

Purchase 101 Part 2: The Nuts & Bolts

This training by Montana Housing goes over each document found on a submission voucher for Montana Housing Purchase Packages.  The intent is to receive clean files that can be processed and purchased in a timely manner. 

Homeownership Programs

This training by Montana Housing explains the different loan programs currently available to homebuyers.  Montana Housing works with participating lenders throughout the state to offer low-interest loans to eligible buyers by offering various programs such as down payment assistance and mortgage credit certificates.

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