Current statewide paths
6
Public statewide pages that are live and safe to compare first.
Montana first responder home loans and programs
Current public paths7 current public paths are live for Montana today, including 6 statewide paths and 1 local or specialty path. Start with the free state facts and strongest public paths first. Open paid access only if you still need the full state board, related paths, or a clearer decision workflow.
Public pages live now
7 public paths
Current statewide paths
6
Current local and specialty public paths
1
Support types in public view
Support details not yet classified, Deferred second mortgage, 15-year amortizing second mortgage, Multiple assistance options, Mortgage tax credit
Last verified
2026-04-23
Paid layer
2 deeper research records
State coverage breakdown
What stays free on the Montana page
The free state page shows the public shape of the state first. Paid access is where the full state board, deeper tracked paths, and decision tools start.
Current local and specialty public paths
1
Current city, county, employer, or specialty public paths already surfaced in this state.
Under-review public signals
0
Signals that remain visible for trust, but stay excluded from verified public coverage.
Deeper paid research tracked
2
Additional local, specialty, or judgment-heavy records still reserved for the paid layer.
Top public paths shown free
Start with the strongest public paths in Montana
The free page shows 5 representative public paths first. Paid access opens the full Montana board so you can rank the remaining tracked paths around your scenario.
1 more tracked paths and notes stay inside the paid state board.
Paid preview
What paid access adds for Montana
Before you pay, see the shape of the comparison output, risk checks, lender questions, and next-step list that this state can generate from the current public facts.
Example paid output for 2 programs. The free page stays visible either way.
Comparison preview
Montana Board of Housing 80% Combined Program
Amount: Current Montana Board of Housing materials describe the 80% Combined Program as an 80/20 structure with a first mortgage at 80% loan-to-value or less and a nonprofit-provided second mortgage covering the remaining 20% of purchase price, subject to a combined loan-to-value ratio no higher than 105%.
Repayment: Current official materials do not present one universal borrower repayment table for the partner second mortgage, but they do make clear that the first mortgage is a 30-year fixed conventional loan and that the nonprofit partner retains and services the Community Seconds second mortgage. Public wording should therefore describe the structure and partner-second requirements without inventing a single statewide second-mortgage amortization schedule that the public materials do not fully publish.
First-time buyer: Varies
Timing: Participating lenders reserve funds through MBOH Lender Online on a loan-by-loan, first-come, first-served basis. MBOH confirms a reservation only after staff review and commitment; the rate lock is 60 days for an existing home or 180 days for new construction, the mortgage must be purchased within 60 days of reservation, and MBOH reviews the compliance package within 10 business days after receipt.
Risk checks preview
What gets flagged before you call a lender
- Montana Board of Housing 80% Combined Program requires a participating lender.
- Montana Board of Housing 80% Combined Program must be paired with a specific first mortgage.
Lender questions preview
Questions tied to this exact path
- Is your team approved to originate Montana Board of Housing 80% Combined Program for this household and loan setup?
- Which first-mortgage product must be paired with Montana Board of Housing 80% Combined Program, and what breaks eligibility?
Action checklist preview
What you would do next
- Review the official 80% Combined Program page for Montana Board of Housing 80% Combined Program
- Review the official 80% Combined Program page for Montana Board of Housing 80% Combined Program
What paid unlocks in this state
Open the full Montana board when the free slice stops being enough
Keep the public facts free. Open paid access only when you need the complete state board, related path ranking, judgment calls, and next-step tools around this state.
Full state board
2 more tracked paths sit behind the full board
Free shows the strongest public slice. Paid keeps statewide, local, employer, specialty, and conditional paths in one board.
Related paths
See what this state should be compared against
Use the paid layer to compare the strongest statewide path against local, employer, and specialty backups in one place.
Judgment layer
Keep conflict-heavy judgment in one paid surface
Paid keeps overlap notes, source conflicts, thin local pages, and conditional paths visible without flattening them into fake certainty.
Call prep
Turn a state page into an action plan
Use paid access for shortlist building, lender questions, risk checks, and a next-step queue tied to this state.
Under review official signals
No public under-review signals are listed for this state right now.
Paid research preview
What paid research already covers in Montana
Paid research already tracks city and county programs, specialty and conditional paths for Montana.
2 tracked deeper records
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
What unlocks after payment
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
city and county programs
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
specialty and conditional paths
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.