Columbia Falls, Montana Home Financing

Mortgage Broker in Columbia Falls, Montana Local People. Personal Mortgage Guidance.

Your mortgage team is right here in Columbia Falls. Whether you're purchasing your first home, relocating to the Flathead Valley, refinancing, or planning new construction, Keith Valentine and Adelina Hanson are here to help you explore your financing options.

Your Columbia Falls Mortgage Team

Your Mortgage Team Is Right Here in Columbia Falls.

Buying a home is a major financial decision. Having someone nearby who can explain your financing options and answer your questions can make the process easier to navigate.

Flathead Valley Mortgage has its office on Nucleus Avenue in Columbia Falls, serving homebuyers and homeowners throughout Northwest Montana. Whether you're purchasing a home in town, exploring property outside city limits, or considering a move to the Glacier Park area, your financing should begin with a clear plan.

Keith and Adelina help borrowers understand available loan programs, qualification requirements, and the steps involved in purchasing or refinancing a home. From first-time buyers to experienced homeowners, every conversation begins with your individual needs.

Our Local Office

Visit Us in Columbia Falls.

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

(406) 897-2165

Contact Our Office

Local mortgage guidance for Columbia Falls and the surrounding Flathead Valley.

Local Office

Connect with a mortgage team based right here in Columbia Falls, Montana.

Home Loan Options

Explore conventional, FHA, VA, USDA, construction, and other mortgage programs based on eligibility.

Personal Guidance

Get answers about financing requirements, documentation, and the next steps in the mortgage process.

Buying in Columbia Falls

From Neighborhood Homes to Montana Acreage.

Columbia Falls offers a mix of residential neighborhoods, properties outside city limits, and access to the communities surrounding Glacier National Park.

Buyers may be considering a home near downtown, a property along the Flathead River, a rural parcel, or a new construction project. The property's location, condition, utilities, and intended use can influence the financing options available.

For rural properties, it may be especially important to understand well and septic requirements, access arrangements, and program-specific property eligibility.

Questions to Ask Before You Buy

  • What monthly mortgage payment fits your budget?
  • How much should you plan for a down payment and closing costs?
  • Would conventional, FHA, VA, or USDA financing be appropriate?
  • Does the property's location qualify for the loan program?
  • Are there private well, septic, or access considerations?
  • Should you get pre-approved before making an offer?
  • How will property taxes and homeowners insurance affect your payment?

Keith and Adelina can help you evaluate these questions and prepare for the mortgage application process.

First-Time Buyer Tip

You May Have More Options Than You Think.

Some mortgage programs allow qualified borrowers to purchase with less than a 20% down payment.

Eligibility, mortgage insurance, and other requirements depend on the program and your financial circumstances.

Ask About Your Options
The Process

Your Columbia Falls Mortgage Journey.

01

Start With a Conversation

Tell us about your homeownership goals, budget, and financing questions.

02

Review Your Mortgage Options

Explore loan programs, qualification considerations, and the documents needed to move forward.

03

Prepare for Your Next Step

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

Meet Your Loan Officers

Your Local Columbia Falls Mortgage Team.

Connect directly with Keith or Adelina to discuss your home financing goals.

Keith Valentine

Loan Officer | NMLS #405843

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

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.

Columbia Falls Mortgage Questions

Frequently Asked Questions.

Helpful answers about mortgages and home financing in Columbia Falls.

Is Flathead Valley Mortgage located in Columbia Falls?

Yes. Flathead Valley Mortgage's office is located at 729 Nucleus Avenue, Suite D, Columbia Falls, Montana 59912. Contact the team to discuss your home financing questions.

What mortgage programs are available in Columbia Falls?

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

Can first-time buyers purchase with less than 20% down?

Yes. Certain loan programs allow eligible borrowers to purchase with less than a 20% down payment. Requirements vary by program and financial profile.

Are USDA loans available near Columbia Falls?

USDA financing may be available for eligible borrowers and properties in designated rural areas. Eligibility must be confirmed using the specific property address and applicable USDA program requirements.

Can I finance new construction near Columbia Falls?

Construction loans may be available for qualifying borrowers and projects. Requirements can include construction plans, budgets, builder information, and property documentation.

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

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

Your Local Mortgage Team

Let's Talk About Your Columbia Falls Home Plans.

Our office is right here in Columbia Falls. Whether you're purchasing your first home, building, or exploring refinancing options, we're ready to help you understand the next step.

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.