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First-Time Homebuyer Resources

At Clearwater, we believe homeownership is more than just having a place to call your own—it's about building a foundation for your future.

Young man and woman standing on the sidewalk in front of their first house in Butte, Montana.

Be Homeowner Ready

Being a homeowner can be very different than being a renter. It’s smart to understand the key differences, assess your financial readiness, and understand the home buying process before you start house shopping.

Are You Ready?

Explore the key differences and the costs of renting versus buying so that you can decide if you’re ready to be a homeowner.
Learn More

How Much Home Can You Afford?

Our home loan calculators can help you estimate how much home you can afford as well as your monthly payment.
Use Home Buying Calculators

Credit History

Having a good credit score can increase your loan approval chances and lower your interest rates. If you’re a Clearwater member, log in to Clearwater Digital Branch to access your credit score and report at no cost.
Log In Now

Down Payment Assistance

Having a down payment reduces the amount you need to borrow, lowering your monthly payment and overall interest costs. Several down payment assistance programs are available.
Talk with a Loan Officer

Homebuying Process

Our home loan officers are here to help you through the homebuying process. Our step-by-step guide helps you understand what happens at each stage so you know what to expect.
Learn About Homebuying Process

Homebuyer Education Center

Visit our Home Resource Center for videos, articles, tools, and tips to support you on your path to homeownership.
Explore the Home Resource Center
Clearwater employee Tom Boyle, meeting with new homeowners at the Butte, Montana branch.

Why Choose a Clearwater Home Loan?

  • Ethical, values-based home loan lender
  • Loan officers who live, work, and volunteer in your community
  • Local underwriting and servicing by people who understand the Montana real estate market
  • Competitive rates and low fees
  • Flexible terms to meet your needs
Get Pre-Approved
Clearwater employee Tom Boyle, meeting with new homeowners in Butte, Montana.

First-Time Homebuyer Programs

As a first-time homebuyer, you may qualify for special programs and incentives to make purchasing a home more affordable. These may include lower down payment requirements, grants, or tax credits. Talk with your loan officer to explore these.

Talk with a Loan Officer
Young man signing documents in a female bankers office.

Financial Coaching

Need help to improve your credit score or carve some extra savings out of your monthly budget for a down payment? Your Clearwater membership includes no-cost financial coaching with a Certified Financial Counselor who can help you get or stay on your path to homeownership.

Meet Our Financial Coaches