21 " The Great Falls Home Builders Association is known as a source for top professionals who will do the job right. Potential customers look to our members rst when deciding who to hire for their next building or remodeling project. 21 We promote your company, protect your business and the industry, help you develop professional skills and improve your image in the community. JOIN US! (406) 452-4663 https://www.hbagf.org/ | info@hbagf.org MEMBERSHIP HAS ITS BENEFITS With median home prices well below other Montana cities, Great Falls is one of the most a ordable cities to live in Montana. Despite that, home ownership is still out of reach for many low and middle-income residents. HBAGF member, Clearwater Credit Union is out to change that. Founded in 1956, Clearwater Credit Union is a Montana-based, member-owned, nancial cooperative serving 20 Montana counties, including Cascade. With more than $1 billion in assets and over 60,000 members, Clearwater o ers personal and business banking accounts, services, and loans, including mortgage loans. In fact, they are one of the largest credit union mortgage lenders in Montana. Jackie Owens, Clearwater’s Real Estate Loan O cer in Great Falls, believes that is due to Clearwater’s commitment to empowering home ownership for all. “At Clearwater, we’re focused on helping people overcome the challenges to home ownership,” said Jackie. “For many, the biggest barrier to home ownership is the down payment, which is why we developed a unique set of loan options with as little as 3% down.” Clearwater’s Next Door Neighbor loan has a low, 3% downpayment and o ers reduced mortgage insurance premiums, which helps make monthly payment more a ordable. Plus, if you work in or are a member of one of the following groups, Clearwater will waive mortgage insurance entirely, with a 5% down payment. · Employed in the public works, education, healthcare, or rst responder elds. · Employed by a non-pro t organization. · Member of a recognized U.S. tribe. Clearwater’s Manufactured Home Loan was developed speci cally to nance manufactured homes not on permanent foundations. With as little as 5% down, they will nance homes sitting on the borrower’s land, a rented lot, or in an approved mobile home park. In addition to these unique loan options, Clearwater also o ers land loans; conventional, jumbo, and VA loans; and home equity loans for debt consolidation or renovation. Plus, they underwrite, process, and service all their mortgage loans locally from start to nish. “I live in and love Great Falls,” said Jackie. “Living and working in this community allows me to make lasting relationships with those around me. I nd it so rewarding to help people in my community a ord the homes of their dreams.” clearwater CREDIT UNION Empowering Home Ownership for All
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