The NeighborWorks Montana is a mortgage from NeighborWorks Montana. The ongoing APR is 1.00% below first mortgage rate not to go below 2.00%. 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 $20,000. Loan terms: 30-year; amortizing subordinate mortgage; ACH payments to NWMT are required (1st, 5th, 10th, or 15th of the month).