Flathead Valley Mortgage

Montana Mortgages & Home Loans

Flathead Valley Mortgage is a leader in home loan origination, refinancing & debt consolidation for mortgage lending.

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About Flathead Valley Mortgage

A leader

Matt Rizzolo has been a Whitefish mortgage broker for over 4 years and recently built relationships with great professionals in loan origination. The Flathead Valley Mortgage team now consists of Matt Rizzolo, Adelina Hanson and Regis Dahl. Our new office sits at 729 Nucleus Ave, Unit D in Columbia Falls, MT. All of our mortgage brokers are long time residents of the Flathead Valley and we welcome new and existing residents of Montana into our office.

We are a licensed mortgage broker in Montana, as well as the states of Idaho, North Dakota & Colorado.

Our Team of Mortgage Brokers

Matt Rizzolo Whitefish Mortgage Broker
Whitefish Montana - Downtown
Mike West
Adelina Hanson - Loan Officer
Regis Dahl Columbia Falls Mortgage Broker

What we do

We offer a wide variety of lending options and pride ourselves in being able to pair the right product with our customers. Navigating the complicated world of mortgages can be daunting. We will help to explain the benefits and challenges of each program available to you.

Who We Help

Flathead Valley mortgage clients come from all walks of life and extend not only to Northwest Montana, but all over Big Sky Country. We’ve helped clients with purchase and refinance loans in Columbia Falls, Kalispell, & Whitefish, along with the surrounding areas of Bigfork, Hungry Horse & West Glacier. We are also licensed to originate loans throughout the entire state of Montana.

Wage earners
First time homebuyers
Primary residences
Second homes
Retired couples
Investment properties

Montana, Whitefish, Columbia Falls, & Kalispell mortgages & home loans

Flathead Valley Mortgage brokers have an exceptional history of helping home buyers secure the best available home loans. For the past 3 years we've been assisting homebuyers with their new home purchases in Whitefish, Columbia Falls, Kalispell, Bigfork, and the greater Flathead Valley area. Whether you’re a first time home buyer or a seasoned homeowner, purchasing a primary residence, vacation home, or investment property, Flathead Valley Mortgage has the right combination of resources to make your home buying experience a breeze.

Let Flathead Valley Mortgage make your home loan experience be a comfortable one.

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Super simple application

Apply online or call our loan experts to get started.

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Relationships with premier lenders

We work with preferred lenders to offer great rates & quick closings.

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Speedy pre-approval letters

Be ready to go house hunting within minutes.

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Simple, fast & secure underwriting

Be ready for the closing date on your new home purchase.

Check Your Equity, Borrow from Yourself or Refinance

Home Refinancing: Rate Restructure, Debt Consolidation & Cash-Out Refinancing

We realize that everyday life can add up fast. Our refi options allow homeowners to let their equity work for them, empowering clients to consolidate debt or use equity in a cash-out scenario. You can use home refinancing options to:

Lower your home loan interest rates
Pay off existing loans or personal debt
Help with medical expenses or high interest credit cards
Equity for home improvements

Types of Home Loans & Mortgages

Interested in hearing about some of the newest loan options available from lenders? Matt Rizzolo (owner of Flathead Valley Mortgage) recently sat down with Janet Cantrell of Montana Radiant Realty to discuss new home loan options for 2022. Play the video to learn more or click on a loan option below. *New for 2023, we are now offering one-time close construction loans!

Downtown Kalispell Montana

FHA Loans

FHA loans are excellent loans for first-time home buyers or and those who do not want to bring in a large down payment.

Veterans Affairs Loan Programs

VA Loans

Loans for Veterans, with low interest rates & expanded guidelines for making it easier to secure financing.

View of the Flathead Valley in Montana

USDA Loans

USDA or Rural Development loans are an excellent product for those living in a “rural” area, which is most of Montana!

Conventional Home Loans

Conventional Loans

Conventional loans are a more traditional type of home loans involving 5% or more down payment.

Big House for a Jumbo Loan

Jumbo Loans

Jumbo loans refer to loans of a larger amount, roughly $647K and up in Montana.

Construction Loan

Construction Loans

One-Time (single) close new construction loans

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Why Flathead Valley Mortgage

Our team of Montana mortgage brokers, originators and processors at FVM realize what it means to live the dream in Northwest Montana. We want to make sure that borrowers of all walks of life get to experience the beauty that is the Flathead Valley. We're here to help whether you're a first-time home buyer, wanting to buy the perfect vacation home getaway, or looking to add an investment property to your portfolio. Borrowers can enjoy peace of mind when using our premier lenders, ensuring low monthly payments and quicker closing times.

Get your pre-approval letter now: