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Banking on the Hi-Line

Home Loans & HELOC

We Bank Where You Live!

At IB Home we aren't working with a customer, we're working with a neighbor. Whether you're looking to make home improvements, buy or build a home, we have the Hi-Line covered. Our experienced lenders provide confidence and support, and our interest rates are competitive with any national lender. We understand the unique situations that rural home buyers face and we lend based on our knowledge of this area. Stop by and talk to one of our professional lenders, right here at home.



Residential Real Estate – 1 to 4 Family

Our Real Estate Lending Team is with you from start to finish. We offer a pre-approval process to help you get into your new home faster with a wide variety of loan products:

Secondary Market Loans

  • Variable and Fixed Rate Conventional Loans
  • First Time Home Buyers
  • Rural Development (RD) Loans
  • Federal Housing Administration (FHA) Loans
  • Veterans Administration (VA) Loans
  • Jumbo
  • 3% or 5% Down Payment Options
  • HomeReady® Loans
  • HomePossible® Loans

In-House Real Estate Loans

Real Estate loans held by Independence Bank that either do not meet Secondary Market loan conditions, are non-conforming, or provide additional options such as real estate loans for investment purposes, short amortizations, unique properties, rural area home purchases/refinances, and small acreages.

  • First Mortgage
  • Second Mortgage
  • Lot Loans
  • Mobile Home Loans
  • Construction Loans
  • Home Improvement Loans

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit is secured by the equity in your home and may provide the benefit of tax deductible interest (please consult with your tax advisor).


Escrows are documents, real estate, securities, monies, etc. deposited with a neutral third party (the escrow agent) to be delivered only upon the fulfillment of a condition. Independence Bank acts as the escrow agent, holding documents and acting for both parties in accordance with instructions. This includes handling payments and disbursements, issuing 1099’s and 1098’s, and the optional reserve account for taxes and insurance. Please contact Christen Ouellette, our escrow agent, in the Havre branch if you have any questions.


Starting the Process…

Call or stop in at any Independence Bank location to talk to one of our Real Estate Lenders or email the team at  

Independence Bank - NMLS #462921

Havre - (406) 265-1243

  • Christy Jo Smith, Residential Real Estate Loan Officer - NMLS #813203 - Apply Now
  • Joanne Antley, Retail Mortgage Lender - NMLS #2181608 - Apply Now
  • Traci Sorensen, Loan Processor Specialist - NMLS #1578375
  • Dawn Stoltz, Loan Assistant – NMLS #1623348

Conrad - (406) 879-3252

  • Becca Irwin, Retail Mortgage Lender - NMLS #2239803 - Apply Now
  • Randi Coleman, Retail Mortgage Loan Officer - NMLS #1778413 - Apply Now
  • Christy Jo Smith, Residential Real Estate Loan Officer - NMLS #813203 - Apply Now

Malta - (406) 654-2700

  • Kourtney Simonson, Lending Officer - NMLS #2179015 - Apply Now
  • Barbie Gray, Loan Assistant - NMLS #1570369

Glasgow, Scobey & Poplar - (406) 487-2282

  • Winsor Chang, Mortgage Loan Officer - NMLS #1570629 - Apply Now
  • Barbie Gray, Loan Assistant - NMLS #1570369

Great Falls - LPO/DPO - (406) 879-3252

  • Randi Coleman, Retail Mortgage Loan Officer - NMLS #1778413 - Apply Now
  • Christy Smith, Residential Real Estate Loan Officer - NMLS #813203 - Apply Now

Plentywood - LPO/DPO - (406) 765-1133

  • Winsor Chang, Mortgage Loan Officer - NMLS #1570629 - Apply Now
  • Barbie Gray, Loan Assistant - NMLS #1570369

Use our online home mortgage calculator to estimate your loan payments.
To begin the application process, please click on the appropriate Apply Now link above.

Real Estate Loan Application Checklist

In order to process your loan application as quickly as possible we have compiled a checklist of the documents and information that is required from the borrower and the co-borrower(s) to complete the loan application. We may require additional information and documentation depending on the circumstances of your loan. Please have this information available at your initial interview with one of our real estate lenders:

  • Previous 2 years Federal Tax Returns (with all schedules attached)
  • Previous 2 years W2’s for all borrowers
  • If commissioned income, please bring last 2 years signed Federal Tax returns with all schedules
  • If self-employed, please bring last 2 years signed Federal Tax Returns with all Schedules and year to date Profit and Loss Statement and Balance Sheet
  • Current Pay stub with Year To Date totals (if pay stub does not have YTD totals, please supply 1 consecutive month worth of pay stubs)
  • Most current Bank Statements on all accounts, Investments, and Retirement. All pages of bank statements required.
  • Final Purchase Agreement and Listing Sheet
  • Copy of Driver’s License
  • Landlord Name & Address for past 2 years (purchase only)
  • Copy of Divorce Decree and Child Support Verification (if applicable)
  • Payment of Appraisal Fee (Lender will request payment for the appraisal after the applicant has signed the Intent to Proceed, per regulation)
  • Home Owners Insurance Information
  • VA Loans will require additional documentation as follows:
    • Certificate of Eligibility
    • Housing Card (active duty)
    • Statement of Service (active duty)
    • DD214 (non active duty)
    • Permission to reside off base (active duty)


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