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Western Security Bank offers a wide variety of Real Estate Loans. We offer Conventional Home Mortgage Loans - Fixed Rate, Adjustable Rate or a Combination of Fixed and Adjustable Rate Loans, Construction-to-Perm Loans, Construction Loans, affordable housing loan programs such as Montana Board of Housing Loans, Glacier Affordable Housing Foundation Loans, FHA and VA Loans, all custom tailored to fit your needs. For more information regarding terms and fees, please contact one of our experienced Real Estate Lenders at any of our Western Security Bank locations.

Real Estate Loan Information:

Click here to use our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.

How Do We Start the Process?
Applying for a home loan at Western Security Bank is fast and simple. Our professional and knowledgeable real estate lenders will personally guide your loan application process and help answer any questions you may have. We pride ourselves on quick, informative and dependable service. We will help you determine which loan most closely matches your current needs and long-term plans.

How much home can I afford? Simply, start by completing this form:
"Pre-Qualifying" Loan Information Sheet

OR

What do I need to apply for a mortgage loan?
"Mortgage Loan Application Checklist"
You can save time by organizing the information you need to start your mortgage loan.

OR

Are you ready to apply for a mortgage loan?
Uniform Residential Loan Application Form
Complete the application form, along with your Mortgage Loan Application Checklist, and schedule an appointment at any Western Security Bank location.

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Conventional Loan Information
Western Security Bank offers conventional home mortgages designed uniquely for our customers. We offer competitive fixed and/or variable interest rates and flexible terms. We can design a conventional loan to suit your needs or you can choose from one of our special products listed below. The term of the loan can be extended for smaller monthly payments, or reduce the term of the loan, which will save you money and help build the equity in your home faster. There are no prepayment penalties for any of the following loans. Some of our home mortgage financing options combine both fixed and adjustable rates in one loan:

• "30/5 Loan " (Best of Both)
  This is a mortgage loan that combines the best features of both a fixed and a variable rate mortgage. You can lock-in today's low fixed interest rate for a specified time period then, the loan converts to an adjustable rate loan for the remaining term of the loan. The 30/5 Loan is ideal for building or buying your new home, with local servicing.
• "25/3 Loan. "
  This is just like the 30/5 Loan, but with a fixed interest rate for a shorter time period than the 30/5 Loan. It then has an adjustable interest rate for the remaining term of the loan.
• "30/7 Loan. "
  This is just like the 30/5 Loan, but with a fixed interest rate for a longer time period than the 30/5 Loan. It then has an adjustable interest rate for the remaining term of the loan.

We also have a variety of fixed rate mortgages with competitive rates and loan terms. These offer the security and stability of monthly loan payments that remain the same over the life of the loan. Come in and talk to us about our "15 Year Loan", "12 Year Loan" or our "10 Year Loan". Whatever your plans, Western Security Bank offers a wide variety of home loan products to help you meet your financial needs - and to make your dreams come true!

Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.

For current rates contact us or call us Toll Free at (866) 238.4917.

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Affordable Housing Mortgage Loans
Montana Board of Housing

• We offer low interest MBOH mortgage loans for Montanans with low and moderate incomes.
• Additional information about MBOH mortgage loans, click here.

Rural Development Guaranteed Loans

• Rural Development Guaranteed Loans are primarily used to help low-income individuals or households purchase homes in rural areas. There are income limit requirements for qualification to obtain these loans. Housing must be modest in size, design, and cost. In addition, applicants must have acceptable credit histories.

Glacier Affordable Housing Foundation

• This First Time Homebuyer's Program is designed to assist qualified low and moderate income families become homeowners by providing down payment and closing costs assistance. We can arrange a 0% interest rate and no monthly payments on a portion of the purchase price of your home, through a unique program developed by Glacier Bank in conjunction with multiple government agencies.

Program Specifications:

• No previous homeownership within the past three years (there may be some exceptions - please ask for details)
• Assistance is available to afford a reasonable monthly house payment
• Acceptable credit
• Funding is somewhat limited - applications accepted on a first-come, first-served basis
• All borrowers must complete a home ownership course presented by the Glacier Affordable Housing Foundation
• Families must earn less than 80% of the median income for Yellowstone County. There is a sliding scale for family sizes and income (check with us for details)
• When you sell or refinance your house, the assistance received is subject to "recapture" which means that the funds go back into a funding pool to help other qualified families on their way to homeownership

Application packets available at:
City of Kalispell
Community Development Office
248 3rd Ave E
Kalispell, MT 59901
(406) 758-7744

Federal Housing Administration Loans - FHA Loans

• These loans are guaranteed by the Federal Housing Administration. FHA offers both fixed and adjustable rate mortgages, to fit your needs with a variety of down payment options and repayment terms.
  

Veterans Administration Loans - VA Loans

• For veterans of military service. The Veterans Administration guarantees repayments of the loan to the lender. Terms depend upon veteran status, loan amount and prior use of VA eligibility. These loans are similar to FHA and can be either fixed or adjustable rate mortgages.

Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.
For current rates contact us or call us Toll Free at (866) 238.4917.

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Construction Loan Information

Contact a lender below for more information on a real estate loan. Please do not send sensitive financial information via e-mail. Thank you.

Click Here for our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.