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Banking on the Hi-Line

Home Loans & HELOC

We Bank Where You Live!

At IB Home we aren't working with a customer, we're working with a neighbor. Whether you're looking to make home improvements, buy or build a home, we have the Hi-Line covered. Our experienced lenders provide confidence and support, and our interest rates are competitive with any national lender. We understand the unique situations that rural home buyers face and we lend based on our knowledge of this area. Stop by and talk to one of our professional lenders, right here at home.


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Residential Real Estate – 1 to 4 Family

Our Real Estate Lending Team is with you from start to finish. We offer a pre-approval process to help you get into your new home faster with a wide variety of loan products:

Secondary Market Loans

  • Variable and Fixed Rate Conventional Loans
  • First Time Home Buyers
  • Rural Development (RD) Loans
  • Federal Housing Administration (FHA) Loans
  • Veterans Administration (VA) Loans
  • Jumbo
  • 3% or 5% Down Payment Options
  • HomeReady® Loans
  • HomePossible® Loans

In-House Real Estate Loans

Real Estate loans held by Independence Bank that either do not meet Secondary Market loan conditions, are non-conforming, or provide additional options such as real estate loans for investment purposes, short amortizations, unique properties, rural area home purchases/refinances, and small acreages.

  • First Mortgage
  • Second Mortgage
  • Lot Loans
  • Mobile Home Loans
  • Construction Loans
  • Home Improvement Loans

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit is secured by the equity in your home and may provide the benefit of tax-deductible interest (please consult with your tax advisor).


Escrows are documents, real estate, securities, monies, etc. deposited with a neutral third party (the escrow agent) to be delivered only upon the fulfillment of a condition. Independence Bank acts as the escrow agent, holding documents and acting for both parties in accordance with instructions. This includes handling payments and disbursements, issuing 1099’s and 1098’s, and the optional reserve account for taxes and insurance. Please contact Christen Ouellette, our escrow agent, in the Havre branch if you have any questions.

IBHome Secondary Page

Starting the Process…

Call or stop in at any Independence Bank location to talk to one of our Real Estate Lenders or email the team at

IMPORTANT: Internet email is not secure. It does not use SSL encryption so please do not send sensitive information such as your social security number, account number, or any other personal information. If you would like to send an email to us that contains sensitive information, we can send you a link to our secure site. Once you have this link you can send the information, as instructed, for secure transmittal.  


Meet Your IB Home Team Lenders

Independence Bank - NMLS #462921

2022 Joanne

Joanne Antley
Retail Mortgage Loan Officer
NMLS #2181608
Phone: 406-265-1243
Serving: Havre, Scobey and Poplar
Apply Now

2022 Becca

Becca Irwin
Retail Mortgage Loan Officer
NMLS #2239803
Phone: 406-271-2541
Serving: Conrad and Shelby
Apply Now

2022 Kourtney

Kourtney Simonson
Retail Mortgage Loan Officer
NMLS #2179015
Phone: 406-654-2700
Serving: Malta, Glasgow
and Wolf Point

Apply Now

2022 Christy

Christy Jo Smith
Sr. Retail Mortgage Loan Officer
NMLS #813203
Phone: 406-265-1243
Serving: Havre, Scobey,
Poplar and Plentywood

Apply Now

2022 Traci

Traci Sorensen
Retail Mortgage Loan Officer
NMLS #1578375
Phone: 406-265-1243
Serving: Havre, Scobey and Poplar
Apply Now

2023 Kayla

Kayla Ruiz
Retail Mortgage Lender
NMLS #2504251
Phone: 406-315-5850
Serving: Great Falls
Apply Now

Meet Your IB Home Team Support Staff

2022 Kelsey

Kelsey Gobert
Mortg/Consumer Specialist
NMLS #2369717
Phone: 406-265-1243


2022 Leslie

Leslie Smith
Loan Assistant
NMLS #2438704
Phone: 406-315-5850

2022 Dawn

Dawn Stoltz
 Loan Assistant
NMLS #1623348
Phone: 406-265-1243


Real Estate Loan Application Checklist

In order to process your loan application as quickly as possible we have compiled a checklist of the documents and information that the borrower and the co-borrower(s) can compile to complete the loan application faster. We may require additional information and documentation depending on the circumstances of your loan.

  • Previous 2 years Federal Tax Returns (with all schedules attached)
  • Previous 2 years W2’s for all borrowers
  • If commissioned income, please bring last 2 years signed Federal Tax returns with all schedules
  • If self-employed, please bring last 2 years signed Federal Tax Returns with all Schedules and year to date Profit and Loss Statement and Balance Sheet
  • Current Pay stub with Year To Date totals (if pay stub does not have YTD totals, please supply 1 consecutive month worth of pay stubs)
  • Most current Bank Statements on all accounts, Investments, and Retirement. All pages of bank statements required.
  • Final Purchase Agreement and Listing Sheet
  • Copy of Driver’s License
  • Landlord Name & Address for past 2 years (purchase only)
  • Copy of Divorce Decree and Child Support Verification (if applicable)
  • Home Owners Insurance Information
  • VA Loans will require additional documentation as follows:
    • Certificate of Eligibility
    • Housing Card (active duty)
    • Statement of Service (active duty)
    • DD214 (non active duty)
    • Permission to reside off base (active duty)

IB Mortgage Mondays

Pro Tips from our IB Home Team

Our IB Home Team staff packaged the tips for prepping for and applying for a home loan. Each short video provides information that will make the process smooth and easy for you.

Check out our YouTube for all the videos:




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