At Guardian Mortgage we want to provide you with as much information as possible so you are informed and educated to be able to determine the best loan program for your needs. Below, you will find a list of available loans and mortgages as well as helpful resources. Contact us anytime by calling 406-259-1100.
Improve your Golden Years and Quality of life Age 62 and older Stay in your house Supplement your monthly income No monthly Mortgage payments, only the payment of Taxes and Insurance is required.
No Down Payment / 100% Financing Purchase or Refinance Primary Residence Manufactured Double Wide Home on a Permanent Foundation
RD- Rural Development
No Down Payment / 100% Financing Outside Billings, Bozeman, Helena, Great Falls, or Missoula city limits Income Restrictions Apply Primary Residence
Fannie Mae & Freddie Mac Purchase or Refinance Primary Residence with 1% Down Payment (gift money ok for down payment)Second Home with 10% Down Payment Investment Properties with 25% Down Payment (1-4 Units) Doublewide Manufactured Home* *Permanent Foundation Required
FHA-Federal Housing Administration
Purchase or Refinance 3.5% Down Payment (gift money ok for down payment) Primary Residence Doublewide Manufactured Home and Land with a 3.5% Down Payment *Permanent Foundation Required
What You Shouldn't Do
Do not make major purchases like furniture, appliances, jewelry, vehicles or vacations
Do not change or quit your job
Do not withdraw, deposit or move large amounts of money in or out of your bank account without consulting with your mortgage professional
Do not pay off debts or collections (unless instructed to do so by your mortgage professional)
Do not use cash for a good-faith deposit – Cash is difficult to verify and could result in a closing delay
Do not have your credit report pulled too many times – This can hurt your credit score