At Rocky Mountain Bank, we know that purchasing a home can be one of your largest investments. We strive to make the financing of your home an enjoyable experience by working to find the financing options that best suit your needs. Whether you’re buying your first home or simply refinancing the one you have, we have the financing solution for you!

	Apply Online
	Uniform Residential Loan Mortgage Application (PDF) Please print out, complete, and fax or mail to your closest Rocky Mountain Bank Branch.  Click here for location and fax information.

Pre-Approval
	Fast and easy
	Establish your mortgage needs before shopping for a home
	We’ll provide a written commitment—an incentive to sellers when you make a purchase offer

Conventional Mortgages
	Fixed rate mortgage
	Adjustable rate mortgage
	Low down payment option

First Time Home Buyer Loans
	Closing cost assistance for qualified buyers

Montana Board of Housing
To help Montanans achieve their dreams of home ownership, the Montana Board of Housing (MBOH), from time to time authorizes the sale of tax-exempt revenue bonds. The proceeds from those sales goes to fund home loans for Montana home buyers at interest rates generally lower than the current market rates. The MBOH does not typically lend money directly to home buyers, but offers their programs through approved state mortgage lenders such as Rocky Mountain Bank. In addition, the MBOH offers a variety of other programs designed specifically for home buyers with special needs.

VA Loans
	Local loan approval
	No down payment in most cases
	Ability to add energy efficiency improvements to loan
	No PMI
	Can be used with First Home Program
	Reservists/National Guard eligible

Construction and Lot Loans
	Low rates
	Flexible Terms
	Multiple advance allowing interest to accrue only on the amount advanced

Whether you are buying, building, relocating, or refinancing, we've got a home mortgage loan to meet your needs.
	Investment Property Loan
	Relocation Loans
	Vacation and Second Home Loans
	City, State and Federal Grants and Loans
	Privately Insured Loans
	Jumbo Loans
	Equity Loans
	Condominium Loans
	Bridge Loans
	Rural Housing Loans

Documents to bring to your Loan Application
	Copy of your purchase agreement signed by all parties
	Copy of the earnest money check you gave to your realtor
	Most recent two years’ W-2 forms
	Original pay stubs for the most recent 30 day period showing YTD earnings
	Most recent three month’s bank statements (and brokerage, investment statements, etc., if these funds will be used for down payment)
	Proof of other sources of income as necessary (pension, social security, etc.)
	Name, address and phone number for landlord(s) for the past two years