Montana Home Loans · Done Right
A local lender who knows the way home.
Purchase, refinance, and alternative-documentation home loans across Montana — straight answers, fast closings, and an originator who actually picks up the phone.
Scott Kimball · Mortgage Loan Originator · NMLS #5536
30+
years originating Montana mortgages
What We Do
Purchase & refinance, done right.
Purchase
Your next Montana home, financed simply — from pre-approval to keys in hand.
Refinance
Lower your rate, change your term, or pull cash out of the equity you've built.
For self-employed & investors
Loans beyond the W-2.
Don’t fit the conventional box? These alternative-documentation programs qualify you on cash flow and assets instead of tax returns.
DCSR
Qualify an investment property on its own rental cash flow — no personal income documentation.
Bank Statement
Self-employed? Qualify using 12–24 months of bank deposits instead of tax returns.
P&L Only
Document your income with a CPA-prepared profit & loss statement.
No Ratio
No debt-to-income ratio calculation — built for strong-asset borrowers.
About Scott
A Montana originator who's been doing this a long time.
If you’ve worked with me over the years, you know I don’t do things halfway. I was raised in Chester, Montana, played football for the MSU Bobcats from 1985 to 1990, and I’ve been helping Montana families get into homes ever since. When I set my mind to something — whether it’s cheering on the Cats on a cold Saturday in Bozeman or finding a client the best rate on the market — I’m all in.
As the owner of Kimball Home Mortgage, I’m not just originating loans — I’m building valuable relationships with my clients. And, as an independent broker — I shop dozens of lenders to find you the best mortgage rate possible and provide direct business-purpose lending from right here from Montana.
No corporate red tape. No call centers. Just a Montana company, owned and run by the person who actually does the work.
Think of it this way: I went from being a player to being the guy who owns the team and calls the plays. Go Cats!
- 30+ years originating Montana home loans
- NMLS #5536 — licensed Mortgage Loan Originator
- Local — Montana purchases, refinances & non-QM loans
Simple from start to close
Three Steps to Your Loan
APPLY
Start a secure application online or with a quick call. It only takes a few minutes.
WE SHOP IT
Scott reviews your goals and finds the loan that actually fits — and explains it plainly.
CLOSE
We keep things moving to a smooth, on-time closing. Then the keys are yours.
GET STARTED
Let's talk about your loan.
Call or email Scott directly — he’ll get right back to you, usually the same day.