Conventional Loans

From GoPrime Mortgage

Bozeman Home Loans:

Conventional Fixed Loan Rates

Conventional Loans are a good choice for borrowers with good credit and funds for a down payment ranging from 3–20% of the home purchase price. Conventional loans are what you think of when you are talking about a “plain vanilla” 30 year Fixed Rate Mortgage. Conventional mortgages are available for almost any type of residential property. Conventional loan limits for 2022 are now at $647,200. As the average price of new homes increases in our area, this expanded limit will help keep borrowers in a conventional loan and out of a Jumbo loan that can have a few more underwriting requirements.

Key Advantages of Conventional Loans:

  • Borrow for primary, secondary, vacation or investment properties
  • Designed for borrowers with strong 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
  • We offer 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 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 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.

Take The First Step

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