Mortgage Blog

Your place for the latest news on home loans, mortgages, real estate & financial news.

FHA & VA Streamline Refinancing
Dec 26 2023

Streamline FHA and VA Loan Refinancing

A Smart Financial Strategy for Homeowners - Save $Hundreds on Your Monthly Payments An Ideal Solution for Many Homeowners As we enter 2024, a significant financial opportunity emerges for homeowners with existing mortgages. Those who are ...
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New FHFA 2024 Loan Limits Announced
Nov 29 2023

Take Advantage of 2024 FHFA Loan Limits

The 2024 FHFA Loan Limit Adjustments were announced... Those adjustments for 2024 will be: $766,550 limit for VA and one-unit conventional loans (up from $726,200 in 2023). $1,149,825 limit for one-unit loans in high-cost counties (up ...
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Navigating Your Way to a Successful Mortgage
Nov 6 2023

Navigating Your Way to Mortgage Approval: Mastering Credit Scores, Debt Ratios, and More

Embarking on the journey of homeownership can be both exhilarating and daunting, particularly when it comes to securing mortgage approval. In today's competitive housing market, understanding what lenders are looking for is crucial. From boosting your ...
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Fixed Vs. Adjustable Rate Mortgages
Nov 2 2023

Adjustable vs. Fixed Rate Mortgages: Which Suits You Best?

In the landscape of home financing, the debate between adjustable (ARM) and fixed-rate mortgages is a perennial one. For prospective homeowners and first-time homebuyers, understanding these options is crucial, as it influences their long-term finances. Both ...
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Consider These 2023 Real Estate Market Dynamics When Investing
Oct 26 2023

Navigating Investment Properties in Today’s Mortgage Climate: Insight for Real Estate Investors

In the realm of real estate investment, financing strategies are crucial, especially within the current mortgage landscape marked by average interest rates hovering around 7.5%. For investors, these conditions present unique challenges and opportunities, particularly regarding ...
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Person Thinking About Waiting to Buy a House
Aug 28 2023

Is now a good time to buy a house? Or should I wait to buy a house?

Let's answer some of your burning questions about home buying as we approach Q4 of 2023. Is now a good time to buy a house? (Especially in the Flathead Valley) Let's dive right into the hottest ...
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Montana Bill 222 - Legislation Rebate
Jul 19 2023

Don’t Miss Out on Your Montana Property Tax Rebates in 2023 (House Bill 222)

The Montana legislature has passed a couple of bills due to a financial surplus in the state budget. Montana House Bill 222 relates to a real estate property tax rebate worth up to $675 on a ...
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Montana First Time Homebuyers Guide
Oct 5 2022

Montana First Time Home Buyers Guide

Infographic Available - Click to skip directly to Montana First Time Homebuyer Infographic Every year, there are countless people in Montana’s Flathead Valley that make the huge step of purchasing their first home.  While this is ...
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Cost Benefit Analysis Illustration
Sep 2 2022

Cost of Waiting to Buy a Home Analysis

Are you in the market for a new home purchase in the Flathead Valley of Montana, but wondering if you should hold off on that purchase for now? Flathead Valley Mortgage has put together the following ...
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Housing Mortgage Going Up or Down
Aug 4 2022

Recent Trends in the Montana Housing Market & Mortgage Rates Prospectus for 2023-2025

1. COVID-19 Restrictions Result in a Massive Economic Contraction The outburst of COVID-19 cases in the spring of 2020 lead to a record economic contraction during the second quarter. Lockdown restrictions resulted in high numbers of ...
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Do I Qualify?

We offer streamlined mortgages & re-fies that require almost no underwriting. There is also a strong chance of receiving an appraisal waiver, saving you time and money. As a premier Whitefish mortgage broker Matt Rizzolo and the team at Flathead Valley Mortgage make the process painless and easy.

Get your pre-approval letter now: