While sometimes overlooked for its smaller population and rural areas, Montana is a growing real estate market with new and profitable investment opportunities popping up each day. It is important to partner with sources of financing that are experienced and tenured within the local real estate communities. Whether a small or rural loan in the state’s beautiful Northern Rocky Mountains or a large-scale flip in Billings, EquityMax is your competitive hard money lender on each and every deal.

EquityMax Is Not Your Average Hard Money Lender

We Are The Bank

EquityMax is a 100% debt-free company, and we only lend our own personal funds as a single family office. This leads to quicker decision-making and faster communication to ensure your deal closes on-time, or sooner.

Minimize The Red Tape

Less documents means easier underwriting and faster turnaround. There is no formal application necessary, nor does EquityMax require a minimum credit score to qualify. Additionally, we do not verify bank statements, tax returns, or other financial information.

Experience Matters

Since our inception over 30 years ago, we have operated as a family owned business. EquityMax clients can rely on the continuity and expertise to make the origination, funding, and servicing of your loan as seamless as possible.

Your Perfect Loan

EquityMax will always listen to what loan parameters will work optimally for you, and do our best to execute your plan. The end result: to promote your short-term and long-term real estate goals through successful and profitable real estate investments.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In Montana?

Latest Success Story

An experienced developer had a desirable plot of land that he was planning on subdividing. To take advantage of the low purchase price, he needed to close in a short timeframe, and only needed minimal leverage. Although a lower LTV, EquityMax stepped in with minimal docs to get the deal closed in 10 days.

Rural Vacant Land

Location – Billings, MT

Loan Amount – $65,000

Purchase Price – $250,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – N/A

Actual Retail Value – To Be Developed

Profit – $200,000

Driving Factors For Montana Real Estate Market

Great Falls Influx

High priced cities, like Billings and Bozeman have homebuyers shifting their focus to secondary cities in the state. Great Falls has home values well below the national average and provides residents a more affordable living situation.

Appreciation Rates Still On The Rise

Appreciation increased by nearly 27% in just one year in Montana. While this pace is likely to slow down, the lack of inventory and high demand will continue to push home values up for the foreseeable future.

Interest Rates Will Continue To Climb

The Federal Reserve has had to increase interest rates to combat inflation and more rate hikes are expected in the future to limit the purchasing power of would be investors and homeowners.

Montana Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Yellowstone, Cascade, Gallatin, Missoula, Flathead

EquityMax Insight

Montana has historically been a great place for investors to take advantage of plentiful distressed properties, earning attractive profit margins on rehab projects. This remains true today as it’s projected that foreclosure rates will continue to rise in the future. Therefore, investors who follow the market closely may be able to lock in deals well below market value. With home values up over 115% in the last ten years, long-term rental properties have also shown to be a viable exit strategy. Currently, landlords can lock in affordable monthly mortgage payments and generate profitable cash flow from their rental portfolio.

What Our Clients Say

December 8, 2022

“Having a tenured lender to finance rural properties is like finding a diamond in the rough. Thanks, EquityMax!”

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

Did You Know

Montana is one of the last states EquityMax has financed in, among the 46 that we do finance.

Frequently Asked Questions

EquityMax has been lending in Montana for over 20 years.

We find metro areas have a higher concentration of investors, but you can also invest in lower-density areas. EquityMax will finance both!

EquityMax welcomes working with new investors. This can be your first or 10th deal.

Receive Immediate Pre-qualification Within 10 Minutes!