Access Home Program
A Better Way to Own
a Home in Montana
The Access Home Program makes it easier for Montana families to buy a home by providing good financing options and new single-family houses through HABCRO and the Montana Community Reinvestment Plan.
By teaming up on building and funding, the program can offer homes at much lower prices — often at least 20% below market rates. This helps families borrow less, pay less each month, and makes owning a home more manageable.
The Access Home Program also gives you payments that match your income, a way to build equity, and ongoing support to help you succeed as a homeowner and protect Montana’s community investments.
Homes will be available through HABCRO as new neighborhoods are completed in Montana communities participating in the program.
Homeownership Designed
to Be More Attainable
Many working families can afford a monthly house payment, but the big upfront costs and traditional loans often make buying a home hard, even if they could manage homeownership well.
The Access Home Program helps by lowering home prices before you buy and offering financing that matches your budget.
20% or More Below Comparable Market Value
Homes through HABCRO are planned and built to keep costs low from the beginning.
Extra funding from the Montana Community Reinvestment Plan makes these homes even more affordable. Together, these benefits usually mean homes cost at least 20% less than similar ones on the market.
With a lower price, families can borrow less, which lowers both monthly payments and the total cost of owning a home.
Payments Aligned with Household Income
The Access Home Program Loan is set up to keep your monthly housing costs in line with your verified income and the program’s rules.
Instead of only looking at market prices and standard loans, the program focuses on what families can truly afford over time.
If your household income changes and you qualify, the program can review your situation under its payment-protection rules, as long as you meet the requirements.
More Financial Flexibility
Lower home prices and monthly payments help families keep more of their income and savings after they buy a home.
This extra flexibility helps homeowners prepare for things like repairs, emergencies, transportation, healthcare, education, and other long-term expenses.
A Path to Earned Equity
Homeowners in the Access Home Program can build equity by living in their home, following the rules, and staying active in the program.
This gives homeowners real benefits and helps keep the home affordable for future Montana families who qualify.
Long-Term Homeownership Support
The Access Home Program gives you more than a regular mortgage or one-time help. It’s a full support system for financing and long-term homeownership.
The program’s rules are clear for homeowners and make it easier to sell or transfer your home later. This helps keep homeowners stable and ensures Montana’s communities continue to benefit from the program’s investments over the long term.
Who the Program Serves
The Access Home Program is for Montana families who are ready to own and care for a home but can’t afford to buy one at regular market prices with standard loans.
Eligible households may include:
- Teachers and education professionals
- Healthcare workers and support staff
- Public-safety personnel
- Skilled-trade and construction workers
- Municipal and public-service employees
- Employees of local businesses and community institutions
- Other Montana households that meet applicable program requirements
Eligibility depends on your income, readiness to own a home, and what’s available in your area. It’s not just about your job. You’ll also need to meet requirements like living in the home, being financially ready, completing homebuyer education or counseling, and providing household information, as set by HABCRO and its partners.
How to Get Started
Step 1
Join the Interest List
Share basic details about your household and where in Montana you hope to buy. HABCRO will send you updates as new developments, homes, and opportunities to apply become available.
Step 2
Explore Homes and Qualify
As new neighborhoods are completed, you’ll learn about available home styles, prices, timelines, and locations. When homes are ready, interested families will complete the qualification process, which may include income and financial reviews, a homebuyer class, required documents, and confirmation that the home will be their primary residence.
Step 3
Select and Purchase a Home
Qualified families will be matched with available homes based on program rules, household needs, local guidelines, and availability. HABCRO and its partners will then guide buyers through final approval, financing, and closing.
A Few Things to Know
The Access Home Program is designed to make homeownership more attainable and help keep these opportunities available to Montana families over time. As part of the program, homeowners agree to a few important guidelines.
These guidelines may include:
Making the home your primary residence
Meeting applicable income and eligibility guidelines
Completing homebuyer education or counseling
Providing necessary household and financial information
Keeping your program obligations in good standing
Following the program’s transfer and resale guidelines
You’ll receive complete details and plenty of time to review and understand the program guidelines before deciding to purchase a home.
Homes Available Through HABCRO
HABCRO works with communities across Montana to build new single-family homes and offer them through the Access Home Program.
Homes will be available as new neighborhoods are completed and communities are ready. Each place will have its own home styles, prices, eligibility rules, and application timelines.
Sign up for the interest list to get updates about homes planned in your area.
Frequently Asked Questions
The Access Home Program provides financing and long-term support for eligible homes through HABCRO. It combines affordable prices, income-based payments, earned equity, payment protections, and ongoing support.
The lower price comes from two main things: homes are planned and built to keep costs down, and extra funding from the Montana Community Reinvestment Plan makes them even more affordable. These benefits usually mean you can buy a home for at least 20% less than what it would cost on the open market.
No. The Access Home Program is a full system for financing and homeownership. It starts with an affordable home and adds financing that fits your needs, equity you earn, payment protections, and ongoing support.
Homes will be available through HABCRO as new neighborhoods are completed in Montana. Sign up for the interest list or contact HABCRO to get the latest updates on new homes and how to apply.
No. You don’t need to work in a specific job. You just need to meet the program’s income, readiness, owner-occupancy, and other requirements.
Your monthly housing costs will depend on your income, the home you choose, taxes, insurance, and the program’s terms. The Access Home Program Loan is designed to make sure your payments fit your budget.
Yes. You can sell your home in the future by following the program’s process. This lets you enjoy the benefits of ownership and keeps the home affordable for the next qualified family.
Start by joining the interest list or contacting HABCRO. When homes are ready, HABCRO will let you know about eligibility, how to apply, available homes, and what to do next.
Your Path to Homeownership Starts Here
You may be closer to owning a new home than you think.
Contact HABCRO to learn more about the Access Home Program and get updates when new homes become available in Montana.
Participating Lender
The Access Home Program’s lending partner will help qualified buyers understand their financing options and navigate the loan approval and closing process.
By working with a lender familiar with the program’s requirements and goals, buyers will receive clear, consistent guidance as they take the final steps toward homeownership.
Our lending partner will be announced soon.
