Escape to Montana

The Right

Program. Rate. Team.
“
We Do What Banks Can’t!
Prequalify Today
Trusted Montana Guidance

Local Experience. Proven Results.

Keith Valentine and the Flathead Valley Mortgage team help buyers, homeowners, and investors move forward with clarity, speed, and confidence.

$500M+
In Home Loans Closed

A strong lending track record helping Montana borrowers finance homes, refinances, and investment properties.

15+ Years
Mortgage Industry Experience

Experienced guidance through every stage of the mortgage process, from prequalification to closing.

Faster
Responsive Prequalification

Clear answers, timely communication, and a streamlined process designed to keep your loan moving.

Home Loan Programs

Financing for Wherever Montana Takes You.

From first homes and refinances to construction, renovation, and higher-value properties, Flathead Valley Mortgage helps you find the right program for the way you want to live.

Conventional Home Loan - Flathead Valley Mortgage

Conventional Loans

Flexible financing for primary homes, second homes, and investment properties.

Learn More
Conventional Home Loan - Flathead Valley Mortgage

Construction Loans

Build your Montana home with financing tailored from land and plans through completion.

Learn More
Jumbo Home Loan - Flathead Valley Mortgage

Jumbo Loans

Lending solutions for higher-value homes that exceed conventional loan limits.

Learn More
FHA Home Loan - Flathead Valley Mortgage

FHA Loans

Accessible financing with flexible qualification and lower down payment options.

Learn More
VA Home Loan - Flathead Valley Mortgage

VA Loans

Specialized financing for eligible veterans, service members, and qualifying families.

Learn More
USDA Rural Home Loan - Flathead Valley Mortgage

USDA Loans

Rural home financing for qualified buyers in eligible communities.

Learn More
Renovation Home Loan - Flathead Valley Mortgage

Renovation Loans

Finance the home and qualifying improvements through one streamlined mortgage solution.

Learn More
Not sure which program is right for you?
Talk With Our Team
PROUDLY SERVING THE FLATHEAD VALLEY

Local Mortgage Guidance. Right Here in Montana.

From Kalispell and Whitefish to Columbia Falls and Bigfork, our local mortgage professionals help Montana homebuyers navigate financing with confidence.

Kalispell Montana
Whitefish Montana
Columbia Falls Montana
Bigfork Montana
More than a mortgage. A local connection. Explore All Service Areas
REAL CLIENT EXPERIENCES

Trusted Guidance. Real Reviews.

Hear from clients who have worked with our local mortgage professionals. Explore reviews for Keith and Adelina below.

Keith Valentine - Mortgage Loan Officer

Keith Valentine

Mortgage Loan Officer
 
Adelina Hanson - Mortgage Loan Officer

Adelina Hanson

Mortgage Loan Officer
 
prequalify for your home loan with Flathead Valley Mortgage - Columbia Falls, MT
LET'S TALK HOME FINANCING

Your Next Chapter Starts With a Conversation.

Whether you're buying your first home, exploring loan options, or refinancing, we're here to help you move forward with confidence. Tell us a little about your goals, and let's find the right path together.

Local guidance. Personal attention. Real answers.

Local mortgage guidance for Montana homebuyers, homeowners, and investors.

Apply Now
People. Places. Possibilities.

Quick Links

Loan Programs

Contact

A Montana home
starts here.

Privacy Policy Terms
Equal Housing Lender