Conventional Loans
From GoPrime Mortgage
Bozeman Home Loans:
Conventional Loan
Conventional loans are what you think of when you picture a standard 30 year Fixed Rate Mortgage. Conventional loans fit most borrowers and are typically a preferred choice for borrowers with good credit and a down payment starting as low as 3%. As of 2025, loan limits for conventional loans are $806,500. This number increases year-to-year in order to keep pace with changing real estate market conditions.
Key Advantages of Conventional Loans:
- Borrow for primary, secondary, or investment properties
- Typically the best fit for borrowers with good credit and down payment as little as 3%
- No requirements for upfront mortgage insurance premiums or funding fees like FHA, VA or USDA
- Option to cancel Private Mortgage Insurance (PMI) at 80% loan-to-value ratio
- Allows the use of non-occupant coborrowers to help qualify for purchase of a primary residence
- Offers terms of 30, 25, 20 or 15 year fixed rate terms or a variety of Adjustable Rate terms as well
Contact our lenders today to apply for a conventional fixed-rate home loan.
Want to learn more?
Mortgage Rates
When you are looking for current mortgage interest rates, you need to speak with a person you can trust with your finances and find a local Montana mortgage company you know will work with you and your finances to set up the best deal that is right for you.
Refinancing
Refinancing can be a great option if you're looking to lower your interest rate. You can also take advantage of equity in your home via a cash-out refinance to get cash on hand for remodeling projects or to consolidate high-interest debt. This is where the knowledge and expertise of your local loan officer will really shine!
What to Expect
Not sure what you'll need when applying for a mortgage? GoPrime Mortgage has a gathered all the information you need to feel confident moving forward. From required documentation to application steps and tips, we've got you covered.
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