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Home Loans

Making home happen.

Our experienced, friendly and fast mortgage teams serve Wyoming and Montana when it comes to providing home loans. We offer a variety of loan programs, refinancing options and services to get you started on the road to homeownership.

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ICBA Top Lender 2022

Fixed rate mortgages are the most popular type of home loan in the U.S. The interest rate and monthly principal and interest payment will stay the same throughout the life of the loan. Payments are amortized over a specific term, so you’ll know exactly when the loan is scheduled to pay off.
Buying your first home is an exciting milestone. First-Time Homebuyer loans are designed to help eligible borrowers purchase their first home by offering low down payments and interest rate financing. Homebuyer education is typically required for qualification.
Borrowers who plan to stay in their home short-term, want to take advantage of their home’s equity or consolidate debt, may want to consider an ARM. These loans often have lower interest rates during the initial fixed rate period. Monthly principal and interest payments can increase or decrease when the fixed rate period ends.
The Department of Veterans' Affairs (VA) has a loan program for eligible veterans, current servicemembers, and surviving spouses. These loans tend to have more flexible credit requirements and are available with low or zero down payments.
For borrowers with lower credit scores or a smaller down payment, FHA loans may be the cheapest option. FHA loans are regulated and insured by the Federal Housing Administration (FHA).
Home equity loans allow you to borrow against the equity in your home. Equity is the difference between the current value of your home and any existing mortgage against it. These loans can help qualified borrowers finance home improvements or consolidate debt.
Only pay closing costs once with a Single-Close Construction loan. We pay your contractor quickly using our convenient draw request software. When construction is complete, you don’t need to re-qualify for financing. Through this program, the construction loan will convert to a permanent mortgage. If you're not ready to build yet, ask about our lot loan financing.
Land or lot loans are a good choice for future home builders who aren’t ready to start construction immediately. If you’re still getting your home plans together, financing the land purchase first may be in your best interest.
If you’re buying a home in a high-priced market, you may need a jumbo loan. Also called non-conforming loans, these mortgages exceed lending limits set by the Federal Housing Finance Agency (FHFA). They can have stricter requirements than other mortgages and typically have higher down payments.

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We refund ATM fees up to $10/month*

*Fees will be refunded to your account on a monthly basis. No receipts required. Monthly basis refers to a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Use MoneyPass® ATMs without paying a surcharge.