Home Mortgage Lenders Kalispell MT

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Kalispell and information on home mortgage rates, home loans, and mortgage calculators.

Valley Bank Kalispell
(406) 752-7123
41 3Rd St W
Kalispell, MT
 
First Interstate Bank
(406) 758-7600
100 E Cottonwood Dr
Kalispell, MT
 
American Homestead Mortgage LLC
(406) 756-1505
495 N Main St
Kalispell, MT
 
Glacier Bank
(406) 752-7101
202 Main
Kalispell, MT
 
Mann Mortgage LLC
(406) 751-6250
1220B Whitefish Stage
Kalispell, MT
 
First Horizon Home Loan Corporation
(406) 257-7822
1845 Us Highway 93 S
Kalispell, MT
 
Gmac Mortgage LLC
(406) 755-5308
690 N Meridian Suite 213
Kalispell, MT
 
Three Rivers Bank Montanta
(406) 755-4271
233 E Idaho
Kalispell, MT
 
Montana Mortgage Company
(406) 756-9696
1327 Us Highway 2 W
Kalispell, MT
 
Glacier Bank
(406) 892-4385
822 Nucleus
Columbia Falls, MT
 

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Montana Mortgage Licensing Body

Website: banking.mt.gov

Phone: (406) 841-2920

State: Montana

Licensed By: Montana of Banking & Financial Inst.

Additional Info: Montana of Banking & Financial Inst. (406) 841-2920 http://banking.mt.gov/ (MT is licensed through the NMLS)