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Home Loans

At Manhattan Bank, we want to make the home buying process smooth and worry free, whether you are purchasing your first home, need to move to a larger home, or refinance your existing mortgage. Let one of our experienced lenders help make your home ownership dreams a reality. We offer a wide variety of home (mortgage) loan options with competitive rates.

Let our experienced lenders determine the mortgage that's right for you.

Fixed Rate Mortgage

Lock in a fixed rate for the life of your mortgage.

The most popular type of mortgage, fixed-rate mortgages offer you the security of a principal and interest payment amount that remain the same for the life of your loan. We offer a full range of fixed-rate mortgage loan options with a variety of terms.

Use our Mortgage calculator to help you decide if the Fixed Rate Mortgage is right for you.

Adjustable Rate Mortgage (ARM)

Take advantage of lower initial rates.

An Adjustable Rate Mortgage, or an "ARM" as they are commonly called, is a loan that offers an interest rate and monthly payment that may change at pre-determined intervals based on interest rate movements. Changes are tied to an index such as the yield on U.S. Treasury Securities. Depending on market conditions, your adjusted rate may be higher or lower than your initial rate, but all of our ARM's have periodic and lifetime rate caps to help you plan your payments.

Construction Loans

Build the home you've always dreamed of owning.

Interest-only payments are made monthly during the construction period based on the amount of your monthly draws.

Affordable Housing Loans

Take advantage of government loans with the lowest possible down payment.

  • Rural Development
    We specialize in offering the best rates and terms available on government insured and guaranteed home mortgages. With the lowest down payment available, these loans are ideal for the first-time home buyer.
  • Montana First Time Homebuyer's Program
    Manhattan Bank participates in first time homebuyer programs provided through the Montana Board of Housing (MBOH).  This housing development fund has minimal cash down payment requirements and interest rates are below the standard programs. 

For a complete list of our financial calculators click here.

Home Equity Loan

Put the equity in your home to work for you!

You can use the equity in your home for emergencies, home improvement, education, debt consolidation, or other major purchases.

  • Tax benefit on interest paid 1
  • Lower interest rates than other personal loans 2
  • Various payment options, including automatic payments from a Manhattan Bank checking account

Home Equity Line of Credit

Use the equity in your home to secure an accessible line of credit.

Apply only once. Once approved, accessing your line is as simple as writing a check. You borrow what you need when you need it. As you repay your principal, that money becomes available to you over and over again.

  • Easy access with various options available
  • Flexibility, borrow as needed
  • A competitive variable rate of interest
  • Easy-to-read statements received monthly
  • Can pay the line off at any time
  • Tax benefit on interest paid 1

Home Loan Officers

For your convenience, the following is a list of our experienced loan officers.


(406) 284-3255


(406) 282-7175

Three Forks

(406) 285-0500


(406) 582-0044

1 Consult with your tax advisor
2 In most cases

Loans subject to approval, verification and collateral evaluation. Loan applications available to residents of Montana. Loan products are subject to change without notice.

Using any loan calculator or loan application found at Manhattan Bank is not an offer by Manhattan Bank to extend credit. Credit is subject to approval. Rates may vary.

Consult with a tax advisor before deducting interest paid on a home equity loan, line of credit or mortgage loan.

A mortgage loan, home equity loan or line of credit is secured by a mortgage lien on your primary residence only, which must be a one - to - four family residential real estate. Property and/or flood hazard insurance and escrow may be required.

Mortgage Loans are available only to residents of Montana.