Conventional Vs. FHA Lending requirements Helena, MT in 2026

As of 2026, the conventional loan cap in Helena, located in Lewis and Clark county within MT, is set at $726,200, with the FHA cap at $472,030 for single-family residences.

You can utilize the Lendersa® Conventional loan calculator to compare various rates today: Conventional, FHA, or USDA. Additionally, find out what income, credit scores, reserves, and documents are needed to qualify. Our advanced mortgage calculator places Conventional Conforming, USDA, FHA, and VA loans side by side, providing a clear view of the best options available in MT for your financial scenario.

Options for Conventional and FHA loans in Helena, MT

The primary objective at Lendersa® is to secure the finest Conventional, USDA, or FHA loan swiftly and without complexities. Choose from three initial paths that link you to suitable lenders and lending programs.

USDA loan request and matching results with Lendersa

Helena Lenders
(406) 442-8870 Lender's profile and map Ascent Bank 2037 N Last Chance Gulch, Helena, MT, 59601 Lends in Montana In 1970, Paul Caruso, Sr. moved to Helena and established Ascent Bank, formerly First Security Bank of Helena. Paul believed that being a family owned and managed bank meant truly supporting the community and creating a culture that saw every customer as having unique needs. Paul and the entire staff saw finding solutions.
(406) 495-2526 Lender's profile and map Valley Bank of Helena 3030 North Montana Ave., Helena, MT, 59601 Lends in Montana Valley Bank proudly serves the Helena Valley and surrounding areas, helping businesses and individuals achieve their financial goals every day. We are a division of Glacier Bank, which is owned by Glacier Bancorp, Inc. (GBCI), a regional bank holding company headquartered in Kalispell, Montana.
(406) 442-3080 Lender's profile and map Opportunity Bank of Montana 1400 Prospect Ave, Helena, MT, 59601 Lends in Montana At our heart we are a Montana community bank. We are part of each community we serve. We volunteer, donate, build, educate, and strive to make our communities stronger. Our mission is to provide strong financial futures for Montanans. Opportunity Bank of Montana opened our doors in Helena, Montana in 1922.
(800) 343-5362 Lender's profile and map Intrepid Credit Union 915 Kessler St., Helena, MT, 59601 Lends in Montana Intrepid Credit Union offers its members the latest in technology as well as a full menu of products — from all types of loans (including mortgage) to 24-hour account information by phone or internet, bill pay, free rewards checking, various savings accounts for all ages, as well as IRAs, Share Certificates, & Mastercard credit cards & debit cards.
(406) 449-2680 Lender's profile and map Rocky Mountain Credit Union 3400 N. Montana Ave, Helena, MT, 59602 Lends in Montana RMCU is here to help you through life’s events big or small. As a member, you are an owner. RMCU is a democratic financial cooperative and that means you have a say in how your credit union is run. We are also not-for-profit which allows us to offer low loan rates and higher interest deposits. RMCU puts people first.
(406) 682-4215 Lender's profile and map Madison Valley Bank 109 West Second, Boulder, MT, 59632 Lends in Montana When Peter T. opened First Madison Valley Bank in 1965, on Main Street of Ennis, Montana, he waited outside the doors of his single-story bank building, with no indoor plumbing, and shook hands with each patron who entered. He intended for that bank to serve as a hub for the rural Montana community he loved.
(406) 547-3331 Lender's profile and map Bank of The Rockies 205 West Main Street, White Sulphur Springs, MT, 59645 Lends in Montana We are a full-service bank with offices in Bozeman, Clyde Park, Emigrant, Helena, Lewistown, Livingston, and White Sulphur Springs. Our goal is to be the strongest financial partner that our community has by priortizing community involvement and service. As the oldest bank in Montana, we are constantly trying to improve the way we serve.
(406) 284-3255 Lender's profile and map Manhattan Bank 124 S Broadway, Manhattan, MT, 59741 Lends in Montana Locally owned and operated full service bank offering financial products and services. Something for everyone from personal to business to agriculture and more. We now offer on the go options like mobile banking mobile deposit and person to person payments. One of our Customer Service Representatives would love to explore the right options for you.
(406) 388-4011 Lender's profile and map Thelen Mortgage 11 West Main St, Suite 220, Belgrade, MT, 59714 Lends in Montana Since 2001 we have established great relationships with many reputable Wholesale Lenders. This allows us the ability find you the best loan product and rate available in the market. It is important for us to understand more about your specific needs to ensure you receive the best possible service and accurate rate quote.
(406) 761-8300 Lender's profile and map 1st Liberty Federal Credit Union 6200 3rd Avenue North, Great Falls, MT, 59405 Lends in Montana 1st Liberty Federal Credit Union was founded by Robert "Scotty" Scott and the co-founders: William Dawson, Joel Taylor, Morgan Moyer, Billie Brankovich, Ehud Markel, Kenneth Platt, and M.B. Holt. In June 1955 your credit union was chartered as Great Falls Air Force Base Federal Credit Union.