HEI Facts.com

State

Home equity investments in Montana

3 of the six major home equity investment providers operate in Montana. We found no HEI-specific law, rule, or enforcement action in Montana in our review of primary sources.

Providers operating in Montana

3 of the six major providers say they operate in Montana. Availability can vary by county.

  • Hometap10-year term · cost cap 18.5% a year · about 14.1% a year in our standard example
  • Unlock10-year term · cost cap 19.9% a year · about 15.9% a year in our standard example
  • Spliteroup to 30-year term · cost cap 17.99% a year · about 15.9% a year in our standard example

Provider lists come from each provider's own availability page. All states.

See how these providers' costs change with home prices in the 2026 study.

Laws, rules, and reports

We found no HEI-specific law, regulation, or state report in Montana. General state lending and consumer protection laws still apply.

Enforcement and court cases

We found no enforcement action or court case involving home equity investments in Montana.

Bills

We found no pending HEI bill in Montana.

HELOC denials in Montana

In 2025, lenders denied 27.9% of the 3,863 HELOC applications they decided in Montana (national: 32.9%). Most common first reason: debt-to-income ratio. See the full HELOC denial data.

HELOCs by metro area in Montana

Billings, MT (26% denied) · Bozeman, MT (30% denied) · Missoula, MT (26% denied) · Helena, MT (26% denied)

See reasons and rates for each metro area.

Federal activity

2 federal items pending that would apply in every state: Home Equity Lending Integrity Act (S. 4803), Shared Home Appreciation for Residential Equity Act (H.R. 8116).

Before you sign in Montana

  1. Check the company's license at NMLS Consumer Access.
  2. Ask for the settlement amount at 0%, 4%, and 8% yearly appreciation, and for when you might settle.
  3. Convert each offer to an effective yearly cost and compare it with a HELOC or home equity loan.

Reference information, not legal advice. Know of something we're missing in Montana? Tell us.