Home Mortgage Lenders Missoula 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 Missoula and information on home mortgage rates, home loans, and mortgage calculators.

Mann Mortgage LLC
(406) 542-1972
2112 Dixon Avenue
Missoula, MT
 
Primary Residential Mortgage Inc
(406) 542-1717
1001 S Higgins Ave
Missoula, MT
 
Challenge Financial Investors Corp
(406) 829-5600
3309 Brooks St Ste C
Missoula, MT
 
Gmac Mortgage LLC
(406) 549-4622
1200 So. Reserve Street
Missoula, MT
 
Home123 Corporation
(406) 721-2451
515 S Reserve St Ste 1
Missoula, MT
 
American Home Mortgage Corp
(866) 264-0490
1802 Dearborn Ave Ste 102
Missoula, MT
 
Capital Family Mortgage Co Of Montana
(406) 549-1940
2307 Stephens Ave
Missoula, MT
 
First Interstate Bank
(406) 523-4244
101 East Front Street
Missoula, MT
 
Acceptance Capital Mortgage Corporation
(406) 327-0062
1821 South Ave W
Missoula, MT
 
Community Bank Missoula Inc
(406) 549-2265
3010 American Way
Missoula, 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)