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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Today's Montana Mortgage Rates in the HSH Lender Showcase

Montana Mortgages

First-time home buyers are always concerned about the affordability of their monthly mortgage payments. Whether you live in Billings, Butte, Bozeman, or elsewhere, compare Montana mortgage rates to find the best loan program to meet your needs.

Another common concern among buyers is accumulating cash for a down payment. In addition to saving money, you might ask relatives for a gift to contribute to your home purchase. Contact lenders to find out the current MT mortgage rates and to ask about the possibility of down payment assistance programs in your area, as well as loan programs that cater to buyers with fewer funds available to put down on a home.

Refinancing homeowners should approach the mortgage shopping process with an open mind as well--while you may be after a rate-and-term refinance, you may discover that a different loan program altogether makes most sense given your current situation. An experienced mortgage lender can describe your refinancing options given today's mortgage environment.

Montana Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Montana

Select County
County Name One Family Two Family Three Family Four Family
Beaverhead County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Big Horn County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Blaine County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Broadwater County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carbon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carter County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cascade County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chouteau County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Custer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Daniels County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dawson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Deer Lodge County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fallon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fergus County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Flathead County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gallatin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Garfield County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Glacier County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Golden Valley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Granite County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hill County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Judith Basin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lake County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lewis And Clark County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Liberty County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mccone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Meagher County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mineral County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Missoula County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Musselshell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Park County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Petroleum County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Phillips County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pondera County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Powder River County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Powell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Prairie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ravalli County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Richland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Roosevelt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rosebud County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sanders County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sheridan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Silver Bow County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stillwater County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sweet Grass County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Teton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Toole County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Treasure County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Valley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wheatland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wibaux County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Yellowstone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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