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Homeownership Resources

So you’re thinking about buying your first home. Your very own house (and mortgage). A place to call — and make — your own.

It’s a big move, literally and figuratively. Buying a house requires a serious amount of money and time. The journey isn’t always easy. It isn’t always intuitive. But when you get the keys to your new home — that, friend, can be one of the most rewarding feelings pretty much ever. Continue reading...

Buying your first home is a big freaking deal. How do you know which loan is right for you? Can you swing the down payment? How can you make sure your offer isn’t too low or too high? What don’t you know that you don’t know? Ack!

Breathe, friend. The process doesn’t have to painful. Continue reading...

Remember buying your first home? Easy peasy—or not so much? Now add the most competitive market ever into the mix and the pressure is unreal!

Watch what happens when first-time buyers go all in, guided by the expertise of a REALTOR®, in First-Time Buyer. Brought to you by the National Association of REALTORS®. Watch Now.

Local Organizations

Homeword strengthens Montana communities by teaching homebuyer education and financial skill building and creating safe, healthy homes people can afford. 

Homeword has created built or preserved 1,319 homes for more than 2,000 Montanans, including 600 children, since Homeword began in 1994. These homes are located on 32 properties in 13 communities across the state. Twenty-seven of these homes were developed and sold for homeownership, and all others are rentals Montanans can afford.  

Since 1997, Homeword has also empowered more than 18,000 people through their Regional HomeOwnership Center’s programming. Our educators have provided classes and one-on-one counseling to members of the workforce, seniors on fixed incomes, people with disabilities, domestic violence survivors, veterans and the parents of many children.  

The Human Resource Council (HRC) is a non-profit corporation established as a result of the Economic Opportunity Act of 1964. They are one of ten Human Resource Development Councils who partner together to serve the entire state of Montana in twelve districts. They are District Eleven which is made up of Mineral, Missoula and Ravalli Counties. Each year almost 10,000 low-income individuals in these three counties are positively impacted by their efforts.

HRC works to identify and expand resources to provide opportunities in housing, health, education, training and employment. Since 1965 we have addressed and help meet the unmet needs of people in these three counties and the State. We have adjusted our focus as changing needs come to the forefront.

Montana Housing strengthens our vibrant communities by supporting access to safe, affordable and sustainable homes for Montanans whose housing needs are not met by the market. Their professional and courteous staff work to create a variety of housing opportunities for Montanans by partnering with local organizations across the state and leveraging federal housing funds available to Montana.

Montana Housing staff can assist with buying a home, down payment assistance, mortgage servicing, Reverse Annuity Mortgages, rental housing assistance, and multifamily rental development.

For more than 40 years, the Poverello Center has provided a necessary safety net for our community members living in hunger and houselessness. An award winning non-profit organization, the Poverello Center provides education, advocacy, and a multitude of services to improve the health, well-being, and stability of people struggling with poverty in Missoula.

Habitat for Humanity Missoula partners with eligible families in order to build stable homes for those living in substandard housing. They sell homes to partner families at cost through an interest-free mortgage program, with payments structured to stay within each family’s means.

YWCA Missoula opens doors to opportunity and self-sufficiency for women and families facing poverty, violence and discrimination. With over 110 years of experience, the YWCA is the leading organization in Missoula for moving women and families out of crisis and empowering them to achieve lasting independence. YWCA Missoula is a mighty force of roughly 50 paid staff and more than 200 volunteers—including members of the Jesuit Volunteer Corps, Senior Corps, AmeriCorps, AmeriCorps VISTA and the community, as well as practicum and intern students. They depend on the individuals in this force to carry out the YWCA mission. In return, they strive to build leadership from within and promote leadership skills on all levels of the organization.

Missoula Housing Authority is a progressive housing authority built to address 21st century challenges by providing access to affordable housing and support programs, and by engaging in development and preservation of housing that serves individuals and families across a broad range of income levels.

They collaborate with nonprofit organizations, government agencies, the private sector, landlords, other housing providers and the community to work toward our vision of housing stability and economic self-sufficiency for all. As a member of the National Association of Housing and Redevelopment Officials, they work with thousands of housing authorities across the country in advocating at the federal level for vulnerable families and individuals.

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