Northwest Montana Mortgage Solutions

Mortgage Broker in Flathead Valley, Montana Local Knowledge. Financing for Wherever Life Takes You.

From Kalispell and Whitefish to Columbia Falls, Bigfork, and surrounding communities, Flathead Valley Mortgage helps Montana homebuyers explore financing options with personalized guidance from Keith Valentine and Adelina Hanson.

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Your Flathead Valley Mortgage Team

Helping Northwest Montana Find Its Way Home.

The Flathead Valley is more than a collection of communities. It's a place where mountain living, growing neighborhoods, working lands, and lakeside properties create a wide range of homeownership opportunities.

Whether you're buying your first home in Kalispell, considering a second home in Whitefish, building near Columbia Falls, or exploring lakefront property around Bigfork, your financing needs deserve individual attention.

Based in Columbia Falls, Flathead Valley Mortgage helps borrowers understand available home loan programs, qualification requirements, and the steps involved in the mortgage process. Keith and Adelina work with you to explore options that fit your financial circumstances, property, and goals.

Locally Based

Your Montana Mortgage Team.

Flathead Valley Mortgage
729 Nucleus Avenue, Suite D
Columbia Falls, MT 59912

(406) 897-2165

Contact Our Office

Serving homebuyers throughout the Flathead Valley.

Locally Based

Work with mortgage professionals based in the Flathead Valley who understand Northwest Montana communities.

Financing Options

Explore conventional, FHA, VA, USDA, jumbo, construction, and other available mortgage programs.

Personal Guidance

Get answers to your questions and understand the steps involved in purchasing or refinancing a home.

Communities We Serve

Mortgage Guidance Across the Flathead Valley.

Every Montana community has its own character, housing options, and property considerations. Explore mortgage information tailored to the communities we serve.

FLATHEAD VALLEY

Kalispell, Montana

Explore home financing for first-time buyers, established neighborhoods, growing families, and properties throughout the Kalispell area.

Kalispell Mortgage Options
FLATHEAD VALLEY

Whitefish, Montana

Explore mortgage options for primary residences, second homes, mountain properties, and higher-value purchases.

Whitefish Mortgage Options
OUR HOME OFFICE

Columbia Falls, Montana

Connect with our locally based mortgage team for home purchases, first-time buyer options, rural properties, and construction.

Columbia Falls Mortgage Options
FLATHEAD VALLEY

Bigfork, Montana

Discover financing considerations for lakefront homes, second residences, rural properties, and new construction near Flathead Lake.

Bigfork Mortgage Options

Beyond these communities? We also assist borrowers throughout the surrounding Flathead Valley, including areas such as Lakeside, Somers, Evergreen, Kila, and nearby rural communities. Contact us about your location.

Home Financing Solutions

Mortgage Programs for Montana Homebuyers.

From first-time purchases to custom homes and second residences, explore mortgage programs based on your financial goals and property requirements.

Conventional Loans

Financing for qualified buyers purchasing primary residences, second homes, or investment properties.

Explore Conventional

FHA Loans

Government-insured financing with potentially flexible qualification options for eligible borrowers.

Explore FHA

VA Loans

Mortgage benefits for eligible veterans, service members, and certain surviving spouses.

Explore VA

USDA Loans

Rural housing financing for eligible borrowers and properties in qualifying areas.

Explore USDA

Jumbo Loans

Explore financing for higher-value properties requiring loans above conforming mortgage limits.

Explore Jumbo

Construction Loans

Financing considerations for eligible custom homes and new construction projects.

Explore Construction
Buying in Northwest Montana

Different Properties. Different Financing Considerations.

From residential neighborhoods to waterfront properties and rural acreage, the Flathead Valley offers a wide range of homeownership possibilities.

A home in an established subdivision may have different financing requirements than a rural property with a private well, a lakefront second home, or a custom construction project.

The property's location, intended use, condition, access, and utilities can influence the loan programs available. Discussing these details early can help you prepare for the financing process.

Questions to Consider Before Buying

  • What monthly payment fits your financial goals?
  • Will the property be a primary residence or second home?
  • What down payment and closing costs should you expect?
  • Could the property qualify for a government-backed loan program?
  • Are there special considerations for acreage, access, or utilities?
  • Will you need financing for an existing home or new construction?
  • Should you seek pre-approval before beginning your search?
Local Mortgage Insight

Start With the Property and Your Goals.

Different mortgage programs have different occupancy, qualification, and property requirements.

Understanding these factors before making an offer can help you identify appropriate financing options.

Ask a Loan Officer
Getting Started

Your Montana Mortgage Journey.

01

Tell Us About Your Goals

Share where you're looking, the type of property you want, and your home financing questions.

02

Explore Your Loan Options

Review available mortgage programs, qualification requirements, and financing considerations.

03

Move Toward Your Next Home

When you're ready, your loan officer can guide you through the application and mortgage process.

Meet Your Loan Officers

Local People. Personal Mortgage Guidance.

Connect directly with Keith or Adelina to discuss your Flathead Valley home financing plans.

Keith Valentine

Loan Officer | NMLS #405843

Keith brings extensive banking and finance experience, including mortgage and construction lending, to conversations about home financing.

(406) 253-0464
Apply With Keith

Adelina Hanson

Loan Officer | NMLS #1941846

Adelina's background in mortgage processing, transaction management, and lending helps borrowers understand the details of the mortgage process.

(406) 212-7076
Apply With Adelina
Flathead Valley Mortgage Questions

Frequently Asked Questions.

Helpful answers about home financing throughout Northwest Montana.

Where is Flathead Valley Mortgage located?

Our office is located at 729 Nucleus Avenue, Suite D, Columbia Falls, Montana 59912. We assist borrowers throughout the surrounding Flathead Valley.

What communities does Flathead Valley Mortgage serve?

We serve borrowers in Kalispell, Whitefish, Columbia Falls, Bigfork, and surrounding communities throughout the Flathead Valley.

What mortgage programs are available?

Depending on eligibility and property requirements, options may include conventional, FHA, VA, USDA, jumbo, renovation, and construction financing.

Can you help with rural properties or acreage?

Yes. Financing may be available for eligible rural properties. Loan requirements can depend on property access, utilities, acreage, condition, and other characteristics.

Can I finance a second home in the Flathead Valley?

Qualified borrowers may be eligible for second-home financing. Requirements vary based on occupancy, loan program, property type, and financial qualifications.

Should I get pre-approved before shopping for a home?

Pre-approval can help you understand your potential financing range and prepare for making an offer. Final approval remains subject to underwriting and applicable loan requirements.

Your Montana Home Starts Here

Let's Talk About Your Flathead Valley Home Plans.

Whether you're purchasing your first home, moving to Montana, exploring a second residence, or planning new construction, we're here to help you understand your mortgage options.

Talk With Our Team Meet Your Loan Officers

Flathead Valley Mortgage | NMLS #2258019 | 729 Nucleus Avenue, Suite D, Columbia Falls, MT 59912. Keith Valentine NMLS #405843. Adelina Hanson NMLS #1941846. All financing is subject to credit approval, underwriting, program eligibility, and property requirements. This information is not a commitment to lend.

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

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