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 ibhome@ibyourbank.com
Independence Bank - NMLS #462921
Havre - (406) 265-1243
- Karene Faber, VP Consumer Lending - NMLS #473305 - Apply Now
- Christy Jo Smith, Residential Real Estate Loan Officer - NMLS #813203 - Apply Now
- Jennifer Anderson, Retail Mortgage Loan Officer - NMLS #857565 - Apply Now
- Traci Sorensen, Mortgage Loan Processor - NMLS #1578375
- Dawn Stoltz, Loan Assistant – NMLS #1623348
Conrad - (406) 879-3252
- 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
- Jennifer Anderson, Retail Mortgage Loan Officer - NMLS #857565 - Apply Now
- Barbie Gray, Loan Assistant - NMLS #1570369
Glasgow, Scobey & Poplar - (406) 487-2282
- Winsor Chang, Mortgage Loan Officer - NMLS #1570629 - Apply Now
Great Falls - LPO/DPO - (406) 879-3252
- Randi Coleman, Retail Mortgage Loan Officer - NMLS #1778413 - Apply Now
Plentywood - LPO/DPO - (406) 765-1133
- Winsor Chang, Mortgage Loan Officer - NMLS #1570629 - Apply Now
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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