Guardian Mortgage Loan Resources

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.

Reverse Mortgage

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.

Veterans Administration

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

Conventional Loans

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

  1. Do not make major purchases like furniture, appliances, jewelry, vehicles or vacations
  2. Do not change or quit your job
  3. Do not withdraw, deposit or move large amounts of money in or out of your bank account without consulting with your mortgage professional
  4. Do not pay off debts or collections (unless instructed to do so by your mortgage professional)
  5. Do not use cash for a good-faith deposit – Cash is difficult to verify and could result in a closing delay
  6. Do not have your credit report pulled too many times – This can hurt your credit score

Additional Resources for Your Mortgage