Creating Successful Homeowners, together.
We know you want to be able to help every client that walks through your door. Some clients are ready to go with a conventional mortgage, while others need more options to achieve their goal of homeownership. NeighborWorks Montana loan products can help more of your clients become successful homeowners, with the financing that best meets their needs.
We encourage you to recommend homebuyer education and financial counseling to your clients early in their homebuying process. Even seemingly savvy buyers can benefit from the support of these free services. Clients who receive education and counseling have been shown to have lower delinquency and default rates.
Our Products
Our loan products are designed to help clients cover down payment and closing costs and make a home purchase affordable. For many products and areas, clients do not have to be first-time homebuyers, can have incomes up to 150% AMI, and can contribute as little as 1% down.
20+ Community Second
- Amortizing second loan
- Incomes up to 150% AMI
- Open to all lenders with a physical location in MT!
- Minimum loan amount: $10,000
- Maximum: Up to 20% of home price
- See matrix of terms here
- 2025 AMI Guidelines
State HOME Deferred
- 0% deferred loan for first-time homebuyers
- Incomes up to 80% AMI
- In qualified areas – see matrix below
- $2,500 to $65,000
- See matrix of terms here
- 2025 AMI Guidelines
- 2026 HOME Purchase Price Limits
Statewide Low-Mod
- Amortizing second loan
- Available statewide
- Incomes up to 150% AMI
- $2,500 to $20,000
- See matrix of terms here
- 2025 AMI Guidelines
*NEW* HomeStretch
With HomeStretch, we are providing another route into homeownership using a unique shared equity model that makes homeownership attainable for more Montanans. Eligible borrowers are connected with participating lenders and financial coaches to guide them throughout their home purchase journey.
New Application Process for Lenders
Learn More
Read through our application instructions to help you navigate the new application process.
*NEW* Application Process InstructionsApply Here
Fill out the application linked below for your potential homebuyer. For lenders only.
Online Application for LendersElectronic Communications Agreement
Share the agreement to be signed by the borrower.
Electronic Communications AgreementMore Information
Reference the most up-to-date area median income guidelines provided by HUD.
2025 AMI GuidelinesReminder: NWMT will not consider rush requests for any loan. A minimum of 15 business days from loan application is expected for processing. StateHOME loans require steps from outside entities including inspections and a final review by the funder, Montana Department of Commerce (MDoC). Final approval from MDoC will take an additional 6 business days after NWMT review.
Please help NWMT by setting timeline expectations appropriately with your borrowers and the sellers.
Visit the Lender Portal to view applications, upload documents, check the status of a loan, or message the NWMT lending team.
Interested in becoming a participating lender? Contact us!