Home Loans

A fixed-rate mortgage loan offers predictable and consistent monthly payments, making it easier to plan long-term finances.

• Financing for 10-, 15-, 20-, and 30-year fixed-rate terms, depending upon property type
• Low down payment options available
• Manufactured homes must be on permanent foundations
• Conventional and jumbo loan options available

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Our land loan offers fixed and adjustable-rate financing.

• Financing for 10- and 15-year fixed-rate terms
• Conventional and jumbo options available
• Finnancing for 20-year 5/5 ARM

Please ask your loan officer.

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With only 5% down, our Next Door Neighbor Loan option waives private mortgage insurance for:

• 30-year, fixed-rate loan
• 3% down payment waives mortgage insurance for public or healthcare workers, first responders, educators, people who work for cooperatives or nonprofit organizations, and people who are members of a recognized U.S. tribe

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Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.

An adjustable-rate mortgage loan typically offers lower initial payments and then the rate adjusts after the initial period, based on market conditions. That means your monthly payments could increase or decrease. ARMs are typically best for those who will move or refinance before the first rate adjustment.

• 3/3 or 5/5 ARM loans available, depending upon your loan and property type
• Financing available for primary residence, second home, or investment property up to 4 units
• Manufactured homes must be on permanent foundations
• Conventional and jumbo loan options available
• Terms and conditions vary by property type and loan purpose. Please ask your loan officer.

Talk with a Loan Officer

Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.

This loan offers affordable financing for manufactured homes NOT on permanent foundations.

• Financing available for 10-, 15-, and 20-year, fixed-rate terms, depending upon the age of home and overall loan-to-value
• 25-year term for brand new properties only
• Home must sit on borrower-owned land or within an approved mobile home park
• Low 5% down payment, with a minimum of 3% coming from the borrower
• Age of home must be 1990 or newer

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Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.

Clearwater's Construction Loan offers up to 12 months of financing to build your primary residence.

• Must use a licensed contractor for construction
• Financing up to 70% loan-to-value during the construction period
• Permanent loan financing must be in place prior to the approval of the construction loan

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Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.

Buying a fixer-upper? Our Renovation Loan helps you finance the purchase and upgrade of your new home all-in-one loan.

For purchase or refinance of primary residence only
Must use a licensed contractor for structural or safety work
Construction that includes energy efficiency or conservation, health or safety, or accessibility measures may qualify for a reduced rate

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Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.

This loan from the U.S. Department of Agriculture (USDA) offers financing to buy a home in a qualified rural area.

• Income and credit qualifications apply. Please ask your loan officer.
• Financing for primary residence only
• Other property terms and conditions may apply. Please ask your loan officer.
• Depending upon qualifications, this loan may be partnered with a Montana Board of Housing loan to increase home affordability

Talk with a Loan Officer

Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.

The Department of Veterans Affairs offers VA loans to help make homeownership accessible for veterans, active-duty service members, and their families. With a VA loan, you can buy, refinance, or improve your home.

• Competitive interest rates
  No or low-down payment options
• Must be an eligible veteran who applies for and receives a Certificate of Eligibility
• Financing for primary residence only
• Depending upon qualifications, this loan may be partnered with a Montana Board of Housing loan to increase home affordability

Talk with a Loan Officer

Loan terms and conditions may vary by property type, loan type, and/or income or credit qualifications. All loans are subject to approval.