The Best Mortgage Lenders in Hardin, MT
Compare verified mortgage lenders serving Hardin, Montana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hardin
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong local presence in Billings, serving the Hardin area. Known for its competitive rates and digital mortgage process, the company has high customer satisfaction ratings for its efficient service and wide range of loan options. With over two decades of experience, it maintains an excellent reputation for transparency and reliability in Montana.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly regarded lender with a branch in Billings that actively serves Hardin and surrounding areas. It excels in customer service with fast loan processing and personalized support, particularly for first-time homebuyers. The company's community involvement and consistent high ratings make it a trusted choice for mortgages in rural Montana.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has a long-standing reputation in Montana, with a Billings office that provides comprehensive mortgage services to Hardin residents. It is praised for its competitive rates, expert guidance, and strong local knowledge, ensuring smooth transactions for various loan types. High customer review counts and decades of experience underscore its reliability and commitment to client satisfaction.
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Frequently Asked Questions
Common questions about mortgage lending in Hardin, MT
What are the current mortgage rates like in Hardin, MT, and how do they compare to state or national averages?
Mortgage rates in Hardin are typically very competitive and often align closely with Montana's state average, which can be slightly higher than the national average due to the rural market. Local lenders, including community banks and credit unions like First Interstate Bank or Stockman Bank, are key players and may offer personalized rates. It's always wise to get multiple quotes, as a local lender's understanding of Big Horn County property can sometimes lead to favorable terms.
Are there any down payment assistance or first-time homebuyer programs specifically available for Hardin residents?
Yes, the Montana Board of Housing (MBOH) offers several programs statewide that are accessible to Hardin buyers, including the "Mortgage Credit Certificate" (MCC) for a federal tax credit and the "Bond Advantage" program for below-market interest rates. Additionally, the "Homeownership for Public Employees" program can be particularly relevant for teachers, nurses, and other public servants in the community. These programs often have income and purchase price limits that are very attainable for the Hardin area.
How does the appraisal process work for unique or rural properties on the outskirts of Hardin?
Appraising rural properties with acreage or unique features common in Big Horn County requires an appraiser with specific local expertise. Lenders will order an appraisal that considers the value of the land, well and septic systems (common outside city limits), and comparable sales that may be sparse. This process can sometimes take longer than in urban areas, so it's important to build extra time into your closing schedule when buying a property with land.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Hardin?
Property taxes in Big Horn County and Hardin are generally moderate compared to national averages, which helps with affordability. However, homeowners insurance can be a significant factor, as Montana rates are above the national average due to weather risks like hail and wind. Your lender will include estimated payments for both in your escrow account, and it's crucial to get insurance quotes early in the home-buying process to avoid surprises.
Are USDA Rural Development loans a common and good option for buying a home in Hardin, MT?
Absolutely. Hardin and much of Big Horn County are eligible for USDA Rural Development loans, which are a popular and excellent option for qualified buyers. These loans offer 100% financing (no down payment), competitive rates, and are designed for low-to-moderate income households in eligible rural areas. Given Hardin's designation, this can be one of the most advantageous mortgage products for buyers looking to purchase in the city or the surrounding countryside.
Nearby Cities
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Why Choose a Mortgage Lender in Hardin?
Local Market Knowledge
Lenders who understand Hardin's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Montana.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Hardin and get competitive rates on your home loan.