The NeighborWorks Montana is a mortgage from NeighborWorks Montana. The ongoing APR is 2.00% over first mortgage rate. Approval typically requires a credit score of Middle score of 640 unless valid compensating factors or higher. Loan terms: 30-year; amortizing second mortgage; ACH payments to NWMT are required (1st, 5th, 10th, or 15th of the month).