The NeighborWorks Montana is a mortgage from NeighborWorks Montana. The ongoing APR is 0.00%. Approval typically requires a credit score of Middle score of 640 unless valid compensating factors or higher. Typical credit limit: Minimum loan amount $2,500; Maximum loan amount $50,000; up to $65,000 if there is a household member with a disability, household AMI is at or below 50% of the area median, home purchase is a manufactured home, or home is in a designated high-cost area (Flathead County, Carbon County, and the City of Red Lodge). Loan terms: 15-years with extension of another 15 years if the borrower still owns and occupies the property as their primary residence at the end of 15 years; note will then mature at 30 years from original note date; Payment Requirement: N/A (deferred).