Montana Mortgage Company

Two ways to start your application.

Jump straight into the paperwork, or talk it through with a loan officer first. Either path leads to the same application, there’s no wrong door.

Self-guided

Apply online

Fill out our secure application at your own pace. Most buyers finish in about 20 minutes if their documents are handy.

Talk it through

Talk to a loan officer first

Not sure which loan fits, or just want a real person before committing to a form? Tell us a bit about your situation and we’ll call you back.

Before you start

What you’ll need

Having these ready shaves real time off your application, whether you’re filling it out yourself or handing it to a loan officer.

EVERYONE NEEDS
01
Government-issued photo ID
Driver’s license, passport, or state ID
02
Last 2 years of W-2s or tax returns
All schedules, all pages
03
30–60 days of recent pay stubs
For every borrower on the loan
04
2–3 months of bank statements
Checking, savings, and any accounts covering your down payment
IF IT APPLIES TO YOU
05
Self-employed
2 years of business tax returns + recent profit & loss statement
06
VA loan applicants
Certificate of Eligibility, or we can pull it for you

The Process

How it works

Four stops between here and a closed loan. Your loan officer walks with you through each one.

01

TELL US YOUR SITUATION

Buying, refinancing, building, or renovating? Tell us what you’re planning and the loan type you’re considering, if you already have one in mind.
02

GATHER YOUR DOCUMENTS

Use the checklist above to gather everything you need. Incomplete paperwork is one of the most common reasons loan applications stall.
03

SUBMIT YOUR APPLICATION

Submit your application online on your own, or work with a loan officer by phone who can walk you through the process step by step.
04

TRACK YOUR PROGRESS

Your loan officer keeps you informed at each milestone, from the initial review through closing, so you always know where things stand.

Before you click apply

Questions about applying

For questions about specific loan programs, rates, or eligibility, see our full FAQ page instead. These are just about the application itself.

Does applying affect my credit score?

A pre-qualification conversation typically doesn’t require a hard credit check. A full application does involve a hard inquiry, which can cause a small, temporary dip in your score.

Can I save my application and finish it later?

confirm with platform This depends on the application system we land on. If it supports save-and-resume, that’ll be noted here explicitly so no one loses progress by accident.

Is my information secure?

Your information is encrypted and used only to process your application, it isn’t sold or shared for marketing. confirm specific platform security details before publishing

How long until I hear back?

confirm typical response SLA with MMC A loan officer will follow up after your application or callback request comes in.

What if I’m not sure which loan is right for me?

That’s exactly what “talk to a loan officer first” is for. You don’t need to have it figured out before you reach out.

Next Step

Ready to Talk Through Your Options?

Whether you’re buying your first home in Missoula, moving up, or looking at refinancing your current mortgage, the first step is a straightforward conversation about where you stand. Reach out through the form below, or call (406) 880-5155 directly, and let’s talk about what makes sense for your situation.