<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=355535778237127&amp;ev=PageView&amp;noscript=1">
family siting on floor next to couch with cardboard over their head.

Montana Home Loans

Your lending partners for life.

Our experienced mortgage team brings local market expertise and creative financing solutions to help you land the perfect home loan. Unlike banks that answer to shareholders, RMCU is member-owned, allowing us to offer more flexible approval criteria, lower fees, and superior personalized service throughout your homebuying journey.

Whether you're a first-time buyer, looking to refinance, or interested in tapping into your home's equity, our lending team will guide you through every option – from conventional and VA to land and government-backed loans. Discover why your neighbors trust RMCU as their Montana mortgage partner.

Start Your Application
younger couple excited

Mortgage

RMCU offers personalized mortgage solutions designed for the local market. Our lenders craft creative financing options tailored to your unique situation with competitive rates that maximize your purchasing power. We’re experts in:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA / Rural Development Loans
  • Land loans
  • Construction loans
  • First-time home buyer and down payment assistance programs

Learn More
lady on phone relaxing at the lake

Refinancing

Take advantage of lower interest rates and maximize your financial assets with our seamless, personalized refinance process. Choose between a cash-out refinance to convert home equity into cash or a streamlined refinance for a lower rate with minimal paperwork. Get uncommonly low rates with quick local decision-making and an easy application process. 

Learn More
older couple and a Montana mountain home

Home Equity Loans

RMCU offers two flexible home equity borrowing options to access your home's built-up value. The Home Equity Line of Credit (HELOC) functions like a credit card with your house as collateral, allowing you to borrow, repay, and reborrow up to your limit with typically lower interest rates than unsecured loans. 

The fixed-rate Home Equity Loan provides a one-time lump sum with predictable monthly payments. Both options can fund home improvements, debt consolidation, education, business ventures, or emergency expenses. Some interest may be tax-deductible for home improvements (consult your tax advisor).

Learn More

Your Montana Mortgage Lenders

Emmie Kleppelid

Emmie Kleppelid

Real Estate Loan Officer

 406.447.5336
 Belgrade / Bozeman / Butte / Helena
 ekleppelid@rmcu.net
nmls# 1512405
Kelly Topinka

Kelly Topinka

Home Equity Loan Officer

406.582.6624
Belgrade / Bozeman / Butte / Helena
kelly.topinka@rmcu.net
nmls# 217148
Toni Lake

Toni Lake

Senior Real Estate Loan Officer

406.447.1109
Belgrade / Bozeman / Butte / Helena
toni.lake@rmcu.net
nmls# 1744443

Start Your Application

Get a clear picture of your credit score

SavvyMoney is a free credit score monitoring tool for all Rocky Mountain Credit Union members. Learn your current credit score, get personalized tips on improving it, and get alerts to any changes in your credit score.

Learn More

Protect Your Home + Your Loan Payments

Explore options from our partners for home insurance and loan and gap insurance.

Learn More

Some restrictions apply. On approved credit. Must qualify for membership. Equal Housing Opportunity Lender. Each account is privately insured up to $250,000 by American Share Insurance.  By members’ choice, this institution is not federally insured. NMLS 585490

FOLLOW US ON INSTAGRAM