Glacier BankSM is pleased to offer a wide variety of Real Estate Loans. We offer Conventional Home Mortgage Loans - Fixed Rate, Adjustable Rate or a Combination of Fixed and Adjustable Rate Loans, Construction Loans, affordable housing loan programs such as Montana Board of Housing Loans, Glacier Affordable Housing Foundation Loans, FHA and VA Loans, all custom tailored to fit your needs. For more information on applicable terms and fees for the various types of real estate loans we offer, please contact one of our experienced Real Estate Loan Officers at any of our Glacier BankSM locations.
Real Estate Loan Information:
| Getting Started |
| Conventional |
| Affordable Loans |
| Construction Loans |
| Calculator |
| Apply Online for a Mortgage Loan |
Click here to use our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.
How Do We Start the Process?
Applying for a home loan at Glacier BankSM is fast and simple. Our professional and knowledgeable real estate loan officers will personally go through the loan application process with you and help you with any questions you may have. We pride ourselves on quick, informative and dependable service. We strive to offer you the loan which most closely matches your current needs and long-term plans.
How much home can I afford? Simply, start by completing this form:
"Pre-Qualifying" Loan Information Sheet
OR
What do I need to apply for a mortgage loan?
"Mortgage Loan Application Checklist"
You can save time by organizing the information you need to start your mortgage loan.
OR
Are you ready to apply for a mortgage loan?
Uniform Residential Loan Application Form
Complete the application form, along with your Mortgage Loan Application Checklist, and schedule an appointment at any Glacier Bank office location.
Conventional Loan Information
Glacier Bank offers conventional home mortgages designed uniquely for our customers. We offer competitive fixed and/or variable interest rates and flexible terms. We can design a conventional loan to suit your needs or you can choose from one of our special products listed below. The term of the loan can be extended for smaller monthly payments, or reduce the term of the loan and that may save you money and help build the equity in your home faster. There is no prepayment penalty in the following loans. Some of our unique options in home mortgage financing that combine both fixed and adjustable rates in one loan include:
- "B.O.B. " (Best of Both)
A mortgage loan combining the best features of fixed and variable rate mortgages. You can lock-in today's low fixed interest rate for a specified time period, then with a variable interest rate for the remaining term of the loan. The B.O.B. is ideal for building or buying your new home, with local Glacier Bank servicing. - "B.O.B. Jr. "
Just like the B.O.B. loan, but with a fixed interest rate for a shorter time period than the B.O.B. loan, then a variable interest rate for the remaining term of the loan.
We also have available a variety of fixed rate mortgages with competitive rates and loan terms. These offer the security and stability of monthly loan payments where the principal and interest amounts remain the same over the life of the loan. Come in and talk to us about our "Keeper Loan" or our "Equity Builder Loan". Whatever your plans, Glacier Bank offers a wide variety of home loan products to help you meet your financial needs - and to make your dreams come true!
Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.
For current rates contact us or call us TOLL FREE at (800) 735-4371.
Affordable Housing Mortgage Loans
Montana Board of Housing
- We offer low interest MBOH mortgage loans for Montanans with low and moderate incomes.
- Additional information about MBOH mortgage loans, click here.
Rural Development Guaranteed Loans
- Rural Development Guaranteed Loans are primarily used to help low-income individuals or households purchase homes in rural areas. There are income limits used in qualifying for this loan. Housing must be modest in size, design, and cost. In addition, applicants must have reasonable credit histories.
Glacier Affordable Housing Foundation
- This First Time Homebuyer's Program is designed to assist low and moderate income families become homeowners by providing down payment and closing cost assistance to be used towards the purchase of a home within Flathead County. We can arrange a 0% interest rate and no monthly payments on a portion of the purchase price of your home, through a unique program developed by Glacier Bank in conjunction with multiple government agencies.
Program Specifications:
- No previous homeownership within the past three years (there may be some exceptions - please ask for details)
- Assistance is available to afford a reasonable monthly house payment
- Acceptable credit
- Funding is somewhat limited - applications accepted on a first-come, first-served basis
- All borrowers must complete a home ownership course presented by the Glacier Affordable Housing Foundation
- Families must earn less than 80% of the median income for Flathead County. There is a sliding scale for family sizes and income (check with us for details)
- When you sell or refinance your house, the assistance received is subject to "recapture" which means that the funds go back into a pool of dollars to help other qualified families on their way to homeownership
Application packets available at: Glacier Bank
Federal Housing Administration Loans - FHA Loans
- These loans are guaranteed by the Federal Housing Administration. FHA offers both fixed and adjustable rate mortgages. The loans can be designed to fit your needs with a variety of down payment options and repayment terms.
Veterans Administration Loans - VA Loans
- For veterans of military service. The Veterans Administration will guarantee repayments of the loan to the lender. Terms depend upon veteran status, loan amount and prior use of VA eligibility. These loans are similar to FHA and can be either fixed or adjustable rate mortgages.
Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.
For current rates contact us or call us TOLL FREE at (800) 735-4371.
Click here to go to the Construction Loans page.
Contact a lender below for more information on a real estate loan. Please do not send sensitive financial information via e-mail. Thank you.
| Mike Smith Senior Vice President 202 Main Street Kalispell, MT 59901 406-758-4349 |
Jane Foley Vice President 202 Main Street Kalispell, MT 59901 406-756-4257 |
| Katie Marsonette Assistant Vice President 202 Main Street Kalispell, MT 59901 406-756-4255 |
Rob Sparks Assistant Vice President 202 Main Street Kalispell, MT 59901 406-756-4260 |
| Lori Hodge 202 Main Street Kalispell, MT 59901 406-758-4339 |
Carol Swimley 615 California Avenue Libby, MT 59923 406-751-4786 |
| Shauna Rubel Assistant Vice President 49430 US Highway 93 Polson, MT 59860 406-751-4907 |
Jessica Reese 49430 US Highway 93 Polson, MT 59860 406-751-4918 |
| Carol Hoerner Assistant Vice President 822 Nucleus Avenue Columbia Falls, MT 59912 406-751-4757 |
John Cochrane 8251 Highway 35 Bigfork, MT 59911 406-758-4301 |
| Craig Schmit 8251 Highway 35 Bigfork, MT 59911 406-758-4308 |
Tammy Lawler Assistant Vice President 222 Dewey Avenue Eureka, MT 59917 406-751-4976 |
| Jon Leonard 222 Dewey Avenue Eureka, MT 59917 406-751-4977 |
Tim Redmond 319 East Second Street Whitefish, MT 59937 406-751-7790 |
| Connie Sternad 6195 Highway 93 South Whitefish, MT 59937 406-751-4933 |
Toby Gilchrist 6195 Highway 93 South Whitefish, MT 59937 406-751-7792 |
| Ben Ruddy Assistant Vice President 7100 Highway 93 South Lakeside, MT 59922 406-758-4802 |
Holly Jordan 3701 Harrison Avenue Butte, MT 59701 406-497-7072 |
| Sandy Garrett Assistant Vice President 1880 Harrison Avenue Butte, MT 59701 406-497-7001 |
Nicole Phillips 1880 Harrison Avenue Butte, MT 59701 406-497-7008 |
| Cheryl Zobenica Vice President/Office Manager 307 East Park Street Anaconda, MT 59711 406-497-7114 |
Judy Stoick 490 West Reserve Dr. Kalispell, MT 59901 406-751-7756 |
Click Here for our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.
