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 list of available loans and mortgages as well as helpful resources. Contact us anytime by calling 406-259-1100.

Types of Mortgages offered include:

  • Reverse Mortgage – Home Equity Conversion 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.
  • VA – Veterans Administration Loan
    • No Down Payment / 100% Financing
    • Purchase or Refinance
    • Primary Residence
    • Manufactured Double Wide Home on a Permanent Foundation
  • RD – Rural Development Loan
    • 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 Loan
    • 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

Current Programs Subject to Change.
Call Guardian Mortgage 406-259-1100.
We look forward to helping you achieve your dream of homeownership!!! 

What Not To 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

Helpful References: