🏡 Trusted Mortgage Guidance

The Right Loan with the Best Rate

Simplifying Home Financing with Experienced Guidance

Whether you're a first-time homebuyer or refinancing your existing mortgage, we make the process easy and stress-free. Our team of experienced professionals will guide you every step of the way, ensuring you get great rates and terms tailored to your needs.

Happy family sitting next to a piggy bank on the floor of their new home
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Why Choose Montana Professional Mortgage, LLC

We help families achieve their homeownership dreams through personalized service, competitive rates, and a commitment to transparency throughout the entire mortgage process.

Experienced Guidance
Our experienced loan officers provide personalized advice and support throughout your mortgage journey.


Competitive Rates
We work with multiple lenders to secure  competitive rates and terms for your unique situation.


Fast Processing
Our streamlined process and advanced technology ensure quick approvals and efficient closings.

Low Mortgage Rates Across Montana

Montana Professional Mortgage, LLC-Chad Cole is a dedicated mortgage broker committed to providing tailored loan solutions to meet the diverse financial needs of our clients. We understand that obtaining a mortgage or refinancing a home can often feel overwhelming, which is why we strive to simplify the process and offer a wide range of options. Our expertise spans various types of loans, including FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Conventional Loans, Non-QM Loans, and Bridge Loans. We pride ourselves on delivering exceptional service while helping clients navigate their mortgage journey with ease.

Refinancing can provide significant benefits, and Montana Professional Mortgage, LLC offers an array of refinance programs to help homeowners achieve their financial goals. Our offerings include FHA Streamline, FHA Cash Out, VA Streamline, VA Cash Out, USDA Streamline, Conventional, and Jumbo refinancing options. Whether clients are looking to lower their monthly payments, access cash for home improvements, or consolidate debt, our team is here to find the best solutions tailored to individual needs.

At Montana Professional Mortgage, LLC, we recognize that every borrower has unique circumstances, which is why we provide additional products and programs designed to cater to a wide range of situations. From 1099 Loans and Down Payment Assistance to Self Employed Loans and Bank Statement Loans, we have you covered. We also specialize in First Time Homebuyer Loans, 100% Financing, Investor Loans, DSCR, HELOC, ITIN Loans, Foreign National Loans, 2nd Mortgages, Rehab Loans, Construction Loans, IRRL Loans, Hard Money Loans, and Multi-Unit Loans. Our goal is to ensure that every client can find the right mortgage solution that fits their financial picture.

Missoula County is one of the key areas we serve, and we take pride in being part of this vibrant community. Known for its stunning natural beauty and outdoor recreational opportunities, Missoula County attracts both residents and visitors alike. With a strong focus on quality of life, the county offers a blend of urban amenities and access to nature. At Montana Professional Mortgage, LLC, we help potential homeowners in Missoula County navigate the lending landscape with the promise of Low Mortgage Rates. Our local knowledge and commitment to customer service make us a trusted partner for those looking to buy or refinance a home in this beautiful region.

Lake County is another area where Montana Professional Mortgage, LLC proudly operates. This picturesque location, known for its scenic lakes and rich history, offers a peaceful setting for families and individuals alike. Whether you're looking to build a new home or refinance an existing mortgage, Montana Professional Mortgage, LLC is here to assist you with our diverse loan options and competitive Low Mortgage Rates. Our team understands the unique needs of Lake County residents and is dedicated to helping you find the right financing solution to achieve your dreams of homeownership.

Sanders County is a charming destination that blends historical significance with natural beauty. As Montana Professional Mortgage, LLC serves this community, we are keenly aware of the local market and the specific needs of its residents. With our extensive array of loan products and refinance options, we are well-equipped to support potential homeowners in Sanders County. Our commitment to offering Low Mortgage Rates is coupled with personalized service, ensuring that clients receive the attention and guidance they deserve throughout their mortgage journey. We are here to make the process as smooth and seamless as possible for those looking to invest in their future in this lovely county.

Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

Get Pre-Qualified Today

Fast, Easy, and Personalized Mortgage Guidance

Complete this short form to find out what loan programs you qualify for. We’ll review your info personally and follow up with options that fit your goals and budget.



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Latest Insights

Stay informed with the latest market trends, homebuying tips, and mortgage industry news from our experienced team.

How the Federal Reserve Impacts Mortgage Rates

How the Federal Reserve Impacts Mortgage Rates

Jun 03, 2026

Learn how the Federal Funds Rate impacts mortgage rates, including how rate hikes and cuts influence home affordability and borrowing costs.

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

May 26, 2026

Should you pay off your mortgage early or invest extra cash? Compare the pros, cons, risks, and returns to find the best financial strategy for your goals.

How Adjustable-Rate Loans Work and When They Make Sense

How Adjustable-Rate Loans Work and When They Make Sense

May 19, 2026

Learn how adjustable-rate mortgages work, including fixed periods, rate caps, and adjustment schedules. Find out if an ARM could save you money.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.
Reviews
5.0
35 reviews

1 week ago

Chad has always been great to work with. Very communicative and prompt! Couldn’t recommend him enough.
Chad has always been great to work with. Very communicative and prompt! Couldn’t recommend him enough.
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1 month ago

We had a great experience with Chad! He made the entire process easy and simple. He was incredibly responsive and always quick to answer our questions. We would definitely recommend to anyone interested in buying a home!
We had a great experience with Chad! He made the entire process easy and simple. He was incredibly responsive and always quick to answer our questions. We would definitely recommend to anyone interested in buying a home!
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1 month ago

We have worked with Chad for many years now. Whether it's to buy our home or refinance. He is always available for questions, prompt response time and very knowledgeable. Can't recommend him enough! Thank you Chad :)
We have worked with Chad for many years now. Whether it's to buy our home or refinance. He is always available for questions, prompt response time and very knowledgeable. Can't recommend him enough! Thank you Chad :)
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2 months ago

We found chad after struggling with lenders who make it difficult for those who are self employed, He walked us through exactly what we needed to do, and it worked. He knows the interest rates, he knows when they’re the best he’s seen in years..he pays cl ...
We found chad after struggling with lenders who make it difficult for those who are self employed, He walked us through exactly what we needed to do, and it worked. He knows the interest rates, he knows when they’re the best he’s seen in years..he pays close attention to the markets, and works hard to get you a good deal. We will definitely recommend Chad to others, and use him again when the time comes!
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2 months ago

Working with Chad was great! He did everything he could to prepare me, A self-employed first time homebuyer for the process Of securing a mortgage. he was easy to work with And always available. I trust Chad, I would recommend him to anyone.
Working with Chad was great! He did everything he could to prepare me, A self-employed first time homebuyer for the process Of securing a mortgage. he was easy to work with And always available. I trust Chad, I would recommend him to anyone.
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4 months ago

Chad Cole has been so helpful to me and my family during both our initial sale and then again during our refinance. He has tracked the market and reached out when a refi was smart and he has been supportive, informative, knowledgeable, hard working and fu ...
Chad Cole has been so helpful to me and my family during both our initial sale and then again during our refinance. He has tracked the market and reached out when a refi was smart and he has been supportive, informative, knowledgeable, hard working and fun during a process that could otherwise be very stressful. Financial things are always a bit out of my element and Chad was supportive in a way that was empowering and non-judgmental about my lack of knowledge. I would highly recommend Chad for anyone embarking on the mortgage process, you will for sure be in good hands!
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4 months ago

We bought our first home through Chad. We couldn't have been more appreciative of his patience and knowledge in walking us through this experience for the first time. Honest and truly there to do whats best for you and your family.
We bought our first home through Chad. We couldn't have been more appreciative of his patience and knowledge in walking us through this experience for the first time. Honest and truly there to do whats best for you and your family.
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4 months ago

Chad at Montana Professional Mortgage was fantastic to work with. He is extremely knowledgeable and made the home buying process as smooth as possible. His personality was awesome, was timely with any information and took a lot of the stress away.
Chad at Montana Professional Mortgage was fantastic to work with. He is extremely knowledgeable and made the home buying process as smooth as possible. His personality was awesome, was timely with any information and took a lot of the stress away.
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5 months ago

Would highly recommend. Chad was super helpful, easy to deal with and very professional. Our experience with refinancing was seamless 10 out of 10
Would highly recommend. Chad was super helpful, easy to deal with and very professional. Our experience with refinancing was seamless 10 out of 10
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6 months ago

Hands down the most streamlined and well managed mortgage process I have ever had. Chad went above and beyond to ensure every step of the process was well organized, communicated, and executed with precision and efficiency. I highly recommend Montana Prof ...
Hands down the most streamlined and well managed mortgage process I have ever had. Chad went above and beyond to ensure every step of the process was well organized, communicated, and executed with precision and efficiency. I highly recommend Montana Professional Mortgage for your next mortage need. Well done!
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6 months ago

⸻ ⭐⭐⭐⭐⭐ HIGHLY RECOMMEND — 10/10 Experience! Working with Montana Professional Mortgage, LLC and Owner/Broker Chad Cole was truly exceptional from start to finish. Chad is the definition of professionalism — smart, proactive, and absolutely on top of ev ...
⸻ ⭐⭐⭐⭐⭐ HIGHLY RECOMMEND — 10/10 Experience! Working with Montana Professional Mortgage, LLC and Owner/Broker Chad Cole was truly exceptional from start to finish. Chad is the definition of professionalism — smart, proactive, and absolutely on top of every detail throughout the entire process. His communication was flawless, with quick response times that made everything feel easy and stress-free. What really sets Chad apart is that he’s not only incredibly knowledgeable, but also an amazing, genuine, and fun human to work with. He made the entire experience seamless, transparent, and comfortable, all while moving things forward efficiently and confidently. If you’re looking for a mortgage professional who goes above and beyond, delivers results, and treats you like a priority, Chad Cole at Montana Professional Mortgage, LLC is your person. I couldn’t recommend him more highly!
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6 months ago

Wow!! Chad is a real go getter and was unstoppable in getting us through a very difficult mortgage process. I couldn’t recommend him higher. He gets an A-plus from us.
Wow!! Chad is a real go getter and was unstoppable in getting us through a very difficult mortgage process. I couldn’t recommend him higher. He gets an A-plus from us.
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8 months ago

Chad Cole with Montana Professional Mortgage was amazing to work with to get a refinance on a mortgage. He made everything as easy as possible and went the extra mile to make sure we got the lowest interest rates available. During the process Chad found l ...
Chad Cole with Montana Professional Mortgage was amazing to work with to get a refinance on a mortgage. He made everything as easy as possible and went the extra mile to make sure we got the lowest interest rates available. During the process Chad found lower interest rates and even though it ment redoing a lot of the paperwork, Chad did the extra work to get us the lower interest rate loan. He is clear on what is needed for a loan and makes everything as easy as possible. I would go through him again for a loan and I highly recommend Chad at Montana Professional Mortgage.
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8 months ago

Chad locked in an interest rate .5% lower than the average market rate, easily beating out the other two competitors I called for comparisons. He made our refinance process easy, quick, and transparent. His regular updates, fast responses, and clear expla ...
Chad locked in an interest rate .5% lower than the average market rate, easily beating out the other two competitors I called for comparisons. He made our refinance process easy, quick, and transparent. His regular updates, fast responses, and clear explanations were greatly appreciated. Why work with a bank who does mortgages on the side, when you can work with someone whose entire business is home loans? Highly recommend Chad for home purchase or refinance and would absolutely work with him again!
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8 months ago

Chad was more than helpful with finding us the best deals possible as well as always responding quick with any questions we had throughout this process. For first time homebuyers I would highly recommend his services.
Chad was more than helpful with finding us the best deals possible as well as always responding quick with any questions we had throughout this process. For first time homebuyers I would highly recommend his services.
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9 months ago

Chad made it easy as always, great person to work with! Thanks Chad!
Chad made it easy as always, great person to work with! Thanks Chad!
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10 months ago

Chad Cole owner/ mortgage broker for Montana Professional Mortgage LLC is definitely the quality family man to go to if you're interested in purchasing. Always picked up the phone to answer any questions and man did I have millions. Very helpful in every ...
Chad Cole owner/ mortgage broker for Montana Professional Mortgage LLC is definitely the quality family man to go to if you're interested in purchasing. Always picked up the phone to answer any questions and man did I have millions. Very helpful in every aspect and step of the process from start to finish. The type of service and dedication he provides will earn you a friend for life. I recommend him for any of your purchasing needs. Thank you very much for everything Chad.
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10 months ago

The owner / broker " Chad Cole" of Montana Professional Mortgage LLC is by far Montana's best mortgage broker. His incredible professionalism gave us over all the best experience ever. He worked side by side with us . Answered many questions. Quick respon ...
The owner / broker " Chad Cole" of Montana Professional Mortgage LLC is by far Montana's best mortgage broker. His incredible professionalism gave us over all the best experience ever. He worked side by side with us . Answered many questions. Quick response time.Thank you so much for all your hard work and dedication in getting our family into the amazing home we appreciate you more than you know. We Highly recommend to anyone interested in purchasing. This is your guy.
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10 months ago

I just bought my first house and i went through Montana Professional Mortgage for my loan. Chad Cole is the one that helped me through the whole process and made it super easy. The seller put a bunch of stipulations that isn’t super normal that rushed the ...
I just bought my first house and i went through Montana Professional Mortgage for my loan. Chad Cole is the one that helped me through the whole process and made it super easy. The seller put a bunch of stipulations that isn’t super normal that rushed the process, Chad and his team worked hard and what seemed long hours to get everything pushed through and worked out. Chad got me a phenomenal interest rate and even told me at the end of the he would call me whenever the rates drop to let me know when a good time to refinance would be. With how personable and caring Chad was he’s got a client for life. Whenever the time comes for my next house i will definitely be calling Chad first.
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11 months ago

Chad helped me purchase my first home in Missoula in 2020. He set the bar high for lenders to come. He explained things clearly, was professional and warm and we had a smooth process with no surprises. In 2025, I purchased a new home in the SF Bay area. I ...
Chad helped me purchase my first home in Missoula in 2020. He set the bar high for lenders to come. He explained things clearly, was professional and warm and we had a smooth process with no surprises. In 2025, I purchased a new home in the SF Bay area. I started out working with a national lender. They would not explain things clearly, I had to do much of my own research, they used points in an unusual way, they had loop holes for increasing closing costs and I felt taken advantage of by the whole process. I reached out to Chad knowing it was unlikely he would be able to help me with a loan in another state but being unsure where to turn for expertise, I gave him a call. Chad quickly called back and even though he could not accept my business, became my personal consultant out of the goodness of his heart. He validated my experience and then used his network to connect me with a fantastic lender in CA (Brandon Burnett). I am forever appreciative and will always choose local brokers here on out.
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11 months ago

Working with Chad has been an awesome experience!! He’s s so kind and helpful. He made the entire process so smooth. I highly recommend him!
Working with Chad has been an awesome experience!! He’s s so kind and helpful. He made the entire process so smooth. I highly recommend him!
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11 months ago

We had such a fantastic experience with Chad buying our first home! He was always in communication and got us the best possible rate. Can’t recommend him highly enough!
We had such a fantastic experience with Chad buying our first home! He was always in communication and got us the best possible rate. Can’t recommend him highly enough!
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1 year ago

Chad was great working with us as we found our first home! Helpful with all of our questions and always super fast to respond. We will absolutely be recommending Montana Pro Mortgage to all our friends as well!
Chad was great working with us as we found our first home! Helpful with all of our questions and always super fast to respond. We will absolutely be recommending Montana Pro Mortgage to all our friends as well!
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1 year ago

Chad was great! He was extremely helpful and patient with my fiance and me as we went through the home buying experience for the first time. Answering every question quickly with professionalism. Will be recommending him to our friends as they start their ...
Chad was great! He was extremely helpful and patient with my fiance and me as we went through the home buying experience for the first time. Answering every question quickly with professionalism. Will be recommending him to our friends as they start their home buying journey
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We recently refinanced our home with Chad Cole at Montana Professional Mortgage, and the experience was nothing short of amazing. Chad made the entire process easy to understand and completely stress-free. His communication was clear, consistent, and alwa ...
We recently refinanced our home with Chad Cole at Montana Professional Mortgage, and the experience was nothing short of amazing. Chad made the entire process easy to understand and completely stress-free. His communication was clear, consistent, and always timely, which made a huge difference. On top of that, he went above and beyond by helping us find a lower insurance rate—something we didn’t expect but really appreciated. I would absolutely recommend Chad to anyone looking to refinance or secure a mortgage. He's knowledgeable, professional, and genuinely looking out for your best interest!
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1 year ago

Chad has been incredible to work with! He went above and beyond to make sure we got into our home. We will forever be grateful for him and we look forward to working with him with all of our future endeavors!
Chad has been incredible to work with! He went above and beyond to make sure we got into our home. We will forever be grateful for him and we look forward to working with him with all of our future endeavors!
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1 year ago

We have had a great experience working with Chad! He’s been great with communication through the whole process, as well as extremely professional. 10/10 recommended using him if your looking to get into a new home/refinance your current home.
We have had a great experience working with Chad! He’s been great with communication through the whole process, as well as extremely professional. 10/10 recommended using him if your looking to get into a new home/refinance your current home.
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1 year ago

Excellent service! Chad makes the experience so easy. He’s knowledgeable and definitely consults through the process. Couldn’t have asked for a better experience!
Excellent service! Chad makes the experience so easy. He’s knowledgeable and definitely consults through the process. Couldn’t have asked for a better experience!
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1 year ago

Chad at Montana Professional Mortgage was amazing in helping us with our refinance. He helped us with our original purchase loan, and then reached back out when the interest rates recently dropped a significant amount! My wife and I are thankful for how e ...
Chad at Montana Professional Mortgage was amazing in helping us with our refinance. He helped us with our original purchase loan, and then reached back out when the interest rates recently dropped a significant amount! My wife and I are thankful for how easy Chad made the whole process!
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1 year ago

I had an amazing experience working with Chad as my mortgage broker! He made the entire process smooth and stress-free, providing clear communication and expert guidance at every step. His knowledge of the market and commitment to finding the best rates t ...
I had an amazing experience working with Chad as my mortgage broker! He made the entire process smooth and stress-free, providing clear communication and expert guidance at every step. His knowledge of the market and commitment to finding the best rates truly set him apart. I felt supported from start to finish, and thanks to his dedication, I was able to secure a great mortgage rate and lenders credits. I highly recommend Chad to anyone looking for a reliable, professional, and friendly mortgage broker.
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1 year ago

Excellent, prompt, professional service. Any issues which surfaced during the process were quickly resolved. Great communication! Making us aware of potential problems and the steps needed to resolve them before they happened was especially appreciated. N ...
Excellent, prompt, professional service. Any issues which surfaced during the process were quickly resolved. Great communication! Making us aware of potential problems and the steps needed to resolve them before they happened was especially appreciated. No hesitation in giving the strongest recommendation and would definitely use them again.
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1 year ago

Chad was excellent to work with. A+ communications and he was able to get us a very competitive and low rate. He came highly recommended, and we are fortunate we were able to work with him.
Chad was excellent to work with. A+ communications and he was able to get us a very competitive and low rate. He came highly recommended, and we are fortunate we were able to work with him.
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1 year ago

As a Realtor, I had the pleasure of working with Chad Cole from Montana Professional Mortgage, who served as my client's lender. Chad was professional, responsive, and incredibly knowledgeable throughout the process. He kept the lines of communication ope ...
As a Realtor, I had the pleasure of working with Chad Cole from Montana Professional Mortgage, who served as my client's lender. Chad was professional, responsive, and incredibly knowledgeable throughout the process. He kept the lines of communication open, ensuring all parties were well-informed at every step. I was very impressed by his dedication to ensuring a smooth and timely closing. I highly recommend Chad to anyone seeking a reliable and trustworthy mortgage lender.
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1 year ago

When you go to get a mortgage you want to be sure you are working with the right company and Loan Officer. Chad Cole of Montana Professional Mortgage is that Loan Officer. He presents your options and makes the whole process smooth and reassuring that yo ...
When you go to get a mortgage you want to be sure you are working with the right company and Loan Officer. Chad Cole of Montana Professional Mortgage is that Loan Officer. He presents your options and makes the whole process smooth and reassuring that you’re getting the best service around. Chad has been doing mortgages for a long time and has the experience to give you the best treatment. His professionalism is second to none. I highly recommend Chad to all people who are considering buying a home or refinancing.
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