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Financial & Housing Assistance

​2-1-1 First Call for Help ~ United Way & Human Resource Council (HRC)

FREE confidential referral and information helpline and website open 24 hrs/day, 7 days/wk (Call 2-1-1 or 549-5555): Supplemental food and nutrition programs; shelter and housing options and utilities assistance; emergency information and disaster relief; Veteran services; health care, vaccination and health epidemic information; addiction prevention and rehabilitation programs; reentry help for ex-offenders; support groups; confidential path out of domestic abuse.

​Low-Income Energy Assistance Program (LIEAP):

HRC Mineral County: 211 Third Ave West, Superior (406) 822-4251,

HRC Missoula County: 1801 S. Higgins Ave, Missoula (406) 728-3710,

HRC Ravalli County: 303 N. Third, Hamilton (406) 363-6101,

AARP Montana

Questions: Steve Reiter, Senior Operations Specialist – AARP Montana (406) 457-4702,

Able Forces

Able Forces Foundation is a 501(c)(3) non-profit, founded by a disabled Veteran with a MISSION to provide immediate financial assistance to military and Veteran families identified in financial crisis.

Questions: (540) 631-9600,

American Legion ~ Temporary Financial Assistance

From the American Legion's "Americanism and Children & Youth Division” for Veterans with children.

​American Red Cross of Montana ~ “Service to the Armed Forces” (SAF)

Emergency Communications, Financial Assistance, Resiliency, Veteran Appeals, etc.

SAF Program Manager: Sara (406) 750-9939,

Red Cross is the “Communication Arm of the Military”

Reconnection Workshops:

“Be Red Cross Ready!”

VOLUNTEER - Missoula contact: Gini, (406) 750-9939,  

America the Beautiful Military Pass

FREE annual pass for current US military members and their dependents in the Army, Navy, Air Force, Marines, Coast Guard, and Space Force, as well as Reserve and National Guard members.

Amtrak Passenger Discount for Military Veterans

VA Blog:

Questions: (800) 872-7245

​At Risk Housing Coalition (ARHC) ~ City of Missoula Homeless Initiatives

ARHC continues to work on issues surrounding low-income housing and homelessness in Missoula and coordinates the local effort to plan and provide comprehensive services through a continuum of care.


Bob Woodruff Foundation ~ Grants

The Bob Woodruff Foundation is a national nonprofit dedicated to ensuring post-9/11 impacted veterans, service members, and their families are thriving long after they return home.

4/2022 Bridging the Gap: How Existing Systems of Care Can Collaborate to Address Homelessness Among Veterans”:

Contact: (646) 441-6864,

Bus Routes ~ Mountain Line!


Emergency Winter Shelters:

Questions: (406) 721-3333,

CELL PHONES (Free or Reduced)

"People with Medicaid, SSI and other govt. programs can qualify for a free or greatly reduced cost cell phone service!"

City Club Missoula & Reaching Home Coordinated Entry

We know your comments help us make better decisions and design better housing projects!

Questions: Samantha “Sam” Hilliard, MSW - Reaching Home Coordinated Entry Specialist (406) 552-6392,

OR Emily - City of Missoula (406) 552-6394,


The Bethel Community Church Clothes Closet ~ FREE Clothing For Men, Women & Kids of All Ages as well as bedding, towels, back packs, duffels; Open Tuesdays 10am – 1pm

1601 South 6th St. West (one block west of Russell), Missoula, (406) 721-2780,

Coldwell Banker The Brokers ~ Realogy Military Rewards

When you connect with a real estate agent, earn between $350 to $7,500 in cash back* or rewards when you buy and/or sell a home.

Questions: Rachel Court, Coldwell Banker The Brokers, (406) 794-9915,

DAV Disaster Relief

Our Disaster Relief Program supports veterans, service members, surviving spouses and their families during times of great need in the aftermath of isolated/large-scale disasters.

Questions: Fort Harrison, (406) 495-2089

Emergency Rental Assistance ~ Montana Dept of Commerce

Questions: (406) 841-2840 or complete contact page:

Engel & Völkers ~ Broker & Spouse of Combat Vet

Interested in meeting with Bitterroot business owners, Veterans, and spouses. “Home Tomorrow” gives a portion of commission back to local Veteran non-profits.

102 B Main, Stevensville

Contact: Heidi Stahl, Broker license RRE-BRO-LIC-69841, (406) 207-1073,

Grants for Veterans ~ Low Income Veterans

Assistance for low income veterans with finding free grants. These grants help veterans with rent, housing, education, medical bills, and utility bills. Montana:

Questions: Carol Wright,

Grants for Veterans ~ Montana

Grants for veterans for homes, home improvement, and business. Grants for the disabled veteran, small business grants for veterans and grants for individuals and organizations supporting veterans and their families.

Questions: (561) 249-4129 or submit question at:

Hilton Honors™ Military Program

Provides up to 100,000 hotel points to eligible Transitioning Service Members and Veterans to support needed travel for verifiable employment related activities, such as a job search, training for a new job, or finding housing (process can take 7-10 days for approval so plan accordingly) If you’re a Veteran seeking a short stay while conducting a job search or looking for housing, please contact: Nick Moschetti - State Veteran Coordinator, Montana Department of Labor & Industry (406) 444-1630,

Homeless Training Institute

Online training that teaches  your staff how to ​confidently and compassionately ​solve problem behavior ​from troubled individuals.

Homeless Triggers ~ Most homeless individuals have suffered from trauma - physical abuse, sexual abuse, abadonment, eviction, etc. This brief clip of our Core Training about unwanted touch and how it ties to trauma:

Questions: Krissie Dowd - Homeless Training Institute,

OR Ryan Dowd,

Home Renovation Grants for Veterans ~ Skilled Roofers

Home improvement jobs can be costly and time consuming. Fortunately for Veterans, the US government and a few private organizations offer grants and aid to help them with their home modification projects. 

Questions: Amy Babin (747) 292 0811,

​Homes for Heroes & "HOMEtown Heroes" ~ Affiliate Lenders

  • EXIT Realty ~ Melissa is an USMC & Army Veteran who represents buyers and sellers in their best interests. She’s a Homes for Heroes realtor, so she specializes in VA home purchases. Contact: Melissa Huus, EXIT Realty 406-531-0015,

  • Galipeau Mortgage ~ Jackie Galipeau, Homes for Heroes Affiliate Broker (406) 926-2618,

  • Keller Williams ~ Wendy Bush, Realtor 1817 South Ave. W., Missoula (406) 531-4873,

  • Montana Family Mortgage ~ Dave started a new HOMEtown Heroes program to give Veterans and service members a discount on their home purchase and refinance costs! If you're interested, please reach out to him at (406) 926-6388 OR C (406) 240-9686, (Mortgage Broker NMLS#1598813 - Office 2825 Stockyard Rd, Ste J5 Missoula)

Homeword & NeighborWorks ~ Homebuyers, Rent Wise & Financial Fitness Workshops

Questions: 1535 Liberty Lane, Suite #116A, Missoula (406) 532-4663, OR

HOPE Rescue Mission (formerly Union Gospel Mission)

Hope Thrift Boutique, 702 SW Higgins Missoula, MT 58903  

Food & hygiene items, clothing & household goods. Helping People get back on their feet and restoring HOPE and resources in their time of need.


Questions: 549-HOPE (4673),

OR April - Director Of Community Outreach (406) 542-5240,

Housing ~ Montana Department of Commerce

301 S. Park Ave., Suite 240, Helena, MT 59620

Montana Housing strengthens our vibrant communities by supporting access to safe, affordable and sustainable homes for Montanans whose housing needs are not met by the market.

Questions: (406) 841-2840,

Or, TOLL FREE: 800-761-6264

​HUD-VASH Supportive Housing Program

Collaborative effort where low-income Veterans receive section 8 rental vouchers plus case management and supportive services.


Questions: Erick Kahila, MSW - HUD VASH Case Manager, David J Thatcher CBOC (Missoula) Montana VAHCS, 2685 Palmer Street, Suite B, Missoula, MT 59808 (406) 493-3706 Cell (406) 202-5640,

The Independence Fund

To assist Veteran families who may be experiencing financial challenges, the Independence Fund established a new program, Independence@Home, to help homebound Veterans with emergent costs like rent, utilities, childcare, transportation, and grocery and medical product delivery.

VA Blog:

Questions: (888) 851-7996,

Internet ~ White House

The cost of high speed internet is fully covered for millions!

VA Blog:

Questions: Affordable Connectivity Program (ACP) or call 877-384-2575

Mancave Barbershop

Discount for Veterans! We specialize in men's grooming services including Hot Shaves and all types of men's haircuts and styles. Our loyal customers are also offered a variety of complimentary beverages with any service in a comfortable, uncommon and relaxing atmosphere at 315 N. Pattee, Missoula

Questions: Paula Bauer (406) 370-0932, Tara Patton (406) 880-5831

OR (406) 542-2283, MSG FB page:

​Missoula Economic Partnership ~ Big Sky Trust Fund Grants




Or, Nicole Rush, Business Initiatives Director (406) 541-6461, Cell (406) 594-7874,

Missoula Food Bank

The Food Bank has a very simple form to obtain free school clothes for children. You just jot down age, pant size, shoe size and a phone number.

Questions: MFB, 1720 Wyoming St., Missoula (406) 549-0543

Missoula Housing Authority (MHA)  ****** VSN Housing Leadership ****** ~ APPLY:

1235 34th St., Missoula

Missoula Housing Authority provides quality housing solutions for low and middle-income households in Missoula and the surrounding area.

Family Self Sufficiency Program

This is a voluntary program designed to help individuals and families achieve their goals of employment and creating a savings. 

FSS Coordinators at Missoula Housing Authority (Section 8): (406) 549-4113 

Tamara Kindred (A-K) FSS Coordinator (Section 8), Extension 121,  

Rebecca Stancil (L-Z) FSS Coordinator (Section 8), Ext. 106,     

FSS (Public Housing) Sierra Lowney PHFSS Coordinator, Ext. 112, 

FSS is a five-year, voluntary program for people who have housing subsidy vouchers and may be working through challenges such as employment, education, legal issues, basic needs, or financial problems.

Having issues with registering? Please contact Shanda Walker, (406) 549-4113 ext. 113,

Our monthly Board Meetings are open to the public. Check out our website for the current month board packet and past minutes:

Questions (VSN Leadership Team): Rebecca Stancil, Missoula Housing Authority, Family Self Sufficiency Director, (406) 549-4113 ext 106,

HUD Wait-list for Subsidized Programs: Jim McGrath - Director of HUD Programs, Missoula Housing Authority (406) 549-4113 ext. 122,

Missoula Mutual Aid Warehouse

150 S. Catlin St., Missoula

Everything is FREE and they don’t ask any questions except, “what do you need?” Diapers, wipes, formula, baby food; Cat/Dog soft & wet food; Cleaning products such as gallon of Clorox, gallon of vinegar, dish soap, sometimes laundry detergent (supply varies); Paper towels; Toilet paper; Feminine hygiene products; Razors, shaving cream; Thermometers; Can openers

HOURS: Monday, Tuesday, and Thursdays: 10am-7pm; Wednesdays 10am-1pm; Closed Friday-Sunday

Questions / Coordinate delivery: (406) 219-1843

Missoula Water Utility Bill Assistance Program

Administered through the Department of Public Health and Human Services for assistance with both water and wastewater bills in addition to assistance with energy bills. People who qualify for the Low Income Home Energy Assistance Program (LIHEAP)—which pays part of winter energy bills for eligible people—will also qualify for the Low Income Home Water /Wastewater Assistance Program (LIHWAP) to pay a portion of an eligible household's water bills, help avoid shutoffs, and help support household water system reconnections related to non-payment.


Questions: HRC 1801 South Higgins, Missoula (406) 728-3710

Montana DPHHS Senior & Long Term Care, Veterans’ Home Services

To advocate and promote dignity and independence for older Montanans and Montanans with disabilities.

Senior and Long Term Care Division
General Help & Questions
(406) 444-4077

Montana Fair Housing

Assistance with Fair Housing complaints, investigate allegations, and so much more!

Questions: Jodi Bartscher, Investigations Coordinator, (406) 782-2573,

Montana Man Shop

1124 W. Central Ave., Missoula

Over the last ten years we have been honored to offer thousands of free haircuts to Veterans on Veterans Day! (buzz or scissor cuts to active duty, reservist or Veteran) at all eleven locations (Billings, Great Falls and Missoula / 8 in WA) We also happily provide a Veteran /first responder 20% discount every Wednesday on any service. Please have some form of military ID or DD214 available to show at checkout (we have even accepted some military tattoos in the past.)

Questions: Mike (406) 926-2740,

Montana Veterans Home ~ Columbia Falls

400 Veterans Dr., Columbia Falls, MT 59912

The Montana Veterans' Home is a Medicare/Medicaid and Veterans' Administration certified facility with 105 intermediate/skilled-care beds and 12 domiciliary beds. The nursing facility includes a 15-bed Alzheimer’s unit.

Contact: (406) 892-3256 OR Joren Underdahl - , Administrator,

National Coalition for Homeless Veterans

The National Coalition for Homeless Veterans (NCHV) will end homelessness among veterans by shaping public policy, promoting collaboration, and building the capacity of service providers.

Questions: (202) 546-1969,

Navy Federal Credit Union

Home Now offers down payment assistance for Montana homebuyers. The program covers up to 100% of down payment and closing costs, and it’s not limited to first-time homebuyers. Navy Feder-al Credit Union offers the Military Choice Loan as a no-down-payment option for servicemembers, veterans and reservists for serving our country.

Questions: Rachel Court, Coldwell Banker The Brokers, (406) 794-9915,

New Now Foundation ~ Flathead Valley

Fiscally sponsored charitable fund aiming to establish a Sober Tiny House Community in the Flathead. We know we will be working with lots of Vets in the area, so please connect!

Questions: Victoria Gabaldon (323) 391-0323,

OR (406) 201-9456,

NW Montana Veterans Stand Down & Food Pantry ~ Kalispell 

Serving those who have served! Dedicated to extending a helping hand up to homeless, low-income, and at-risk veterans and their families (Food boxes, clothing, household furnishings, Veterans Stand Down, benefits assistance, Peer Support, and much more!)

Durable Medical Equipment (DME) Loan Program (1349 Hwy 2 East, Kalispell MT 59901): Accepting ALL donations of medical equipment, wheelchairs, etc. for the DME loan program & offer the equipment to all low income / at-risk Veterans free of charge.

Questions: Cinnamon Davis-Hall - Community Outreach Specialist (406) 250-2394,

Operation HomeFront  

O'Reilly Auto Parts ~ Military Discount

Questions (local): (406) 721-3870 / 721-7830; Corporate:

PENFED Foundation

Emergency Financial Assistance: The Military Heroes Fund emergency financial assistance program offers financial assistance for wounded, ill, and injured post 9-11 veterans who are experiencing an unexpected short term (1- 2 months) financial setback.

The Poverello Center, Inc.

1110 W. Broadway, Msla, (406) 728-1809

​Homeless Outreach Team (HOT): Team Lead - Christine (406) 493-7955

Johnson St. Emergency Winter Shelter, 1919 North Ave. W. – OPEN 24/7 – ALL are welcome who can be safe, be kind, and be respectful, including pets. Both locations follow strict CDC guidelines, so masks and social distancing are required. Questions: (406) 529-4185,

  • Housing Montana Heroes: Up to 24 months in a secure wing on the 2nd floor of the Poverello emergency shelter; Clinical Model: Provides access to therapy, group therapy or working with someone in the community on mental health; Service Intensive: Up to 24 months; With access to private shower space, laundry, community room, case management and referral resources.

  • Veteran Housing Retention: Collaboration with the Poverello Center, the VA and HUD/VASH; Sue will follow clients coming from transitional housing into permanent supportive housing; This is a volunteer program for up to 6 months in coordination with HUD/VASH; She will work with Veterans identified as experiencing homelessness, until they are stably housed for 6 months. 

  • Veteran Shelter Program: 90-120 day program for Veterans who qualify for VA healthcare; Veterans are prioritized for a bed, given a locker and access to the second floor showers, laundry, community room, case management, and resources and referrals.

Questions: Sue Ellerman - Veteran Housing Retention Specialist (406) 493-5736,

OR Vanessa Cassens - Housing Montana Heroes Case Manager 406-529-0639,

  • VALOR HOUSE: Valor is a collaboration with MHA, POV and VA; Bridge Model at Valor: 90-120 days with housing intervention in hand (Lease, voucher); Service Intensive at Valor - Up to 24 months, after 12 months can apply for Housing Choice Voucher good anywhere in US. 

Questions: Nateese - Valor House Case Manager (406) 829-3928,

OR Weekends: Camas – Valor House,

*** All programs have room on the wait-list! Only exceptions are dishonorable discharge & those who are required to register as a sex offender (case by case). 


Help Line (M - F 8:30AM – 4:30PM online 1-888-706-1535

Montana DPHHS, OFFICE OF PUBLIC ASSISTANCE (OPA), 2677 Palmer, Suite 100, Missoula,

HAMILTON, 310 N 3rd St, Hamilton,
Supplemental Nutrition Assistance Program (SNAP, formerly known as Food Stamps); Temporary Assistance to Needy Families (TANF); Health Coverage (Medicaid; Medicaid Expansion Programs; Health Coverage for the Aged, Blind, or Disabled, & Medicare Premium Assistance); Emergency Assistance to Families with Children; Referrals

Questions: Kara Thomas, Field Operation Manager, Missoula Field Office of Public Assistance, Public Assistance Bureau/HCSD/DPHHS, (406) 329-1233,

Double SNAP Dollars

Shop with SNAP/EBT and get bonus fruits & vegetables – swipe your EBT card to buy SNAP eligible foods.

Missoula: Farmers Market, N. Higgins Ave. by the XXX’s ($20 match per market) Saturdays May – October, 8am – 12:30pm and Tuesdays June – September, 5:30 – 7pm

Clark Fork Market: Under the Higgins Bridge ($20 match per market) Saturdays May – October, 8am – 1pm

Questions: (406) 926-1004,

Retired Military & Annuitants Online

Defense Finance and Accounting Service (DFAS)

Request a 1099-R, report the death of a retiree, manage your retirement, and more!

River of Life Church

4007 Montana 200 – East Missoula

River of Life was planted in East Missoula in April 2008 by Jason & Shannon Tonn, and (per VSN Leadership in ), “able to deliver furniture items to families who have recently came out of homelessness.”

Questions: (844) 447-6568 or (406) 214-3803,

Rural Dynamics, Inc. (RDI) ~ “ENRICH” Financial Wellness

Unlimited access to personalized financial education and support. Ask us if you qualify to receive financial services for FREE! A certified financial coach is available to help you create a personalized plan to manage your finances, credit, paycheck planning, student loans, debt, and/or answer questions.

Popular Tools:

Questions: (406) 454-5708,

Salvation Army  

355 S. Russell St., Missoula, 9am – 3pm

Social Services: Showers, laundry, food boxes, rental assistance, utility assistance, gas / bus vouchers, hygiene kits, school backpacks / clothes, Christmas toys / food, computer use (9-12, M-TH for JOBS and HOUSING only).

Church Services: Sunday School (9:30am), Sunday Worship (10:45am), Men’s Fellowship (Sun at 5:30pm)

Family Night Programs – Wednesdays 5:30pm (Kids’ Character Building Programs, Adult Bible Study)

11/2/21 UPDATE, "The Salvation Army has reconvened the Winter Rental Assistance program (created as a joint project with the At Risk Housing Coalition and is funded by the Missoula County Community Assistance Fund). Applications to the program are staffed jointly by committee. The primary goal of this program is to assist families and individuals to maintain housing during the coldest winter months through leverage funds for either rent or deposit. The award amount is paid directly to the landlord. Submit completed Rental Assistance Application with documentation to: Winter Rental Assistance, 355 S. Russell St, Missoula, MT 59801 or email to

Questions: Salvation Army (406) 549-0710

OR: Ryan Boyd – Captain, Corps Officer (406) 215-1781,

Semper Fi Fund

In the hour of need, our heroes deserve the very best care and support. We are committed to being there at the time of injury or illness and, if necessary, for a lifetime. Please reach out today.

Questions: 760-725-3680


Missoula Aging Services

Veteran Directed HCBS (Home Care)

Or, Montana DPHHS Senior & Long Term Care, Veterans’ Home Services 

Small Business Administration (SBA) ~ Montana

Veteran Restaurant Owners Eligible for $28.6 Billion Restaurant Revitalization Fund:

*** SBA Veterans Advantage (new measure to help get small business loans into the hands of Veterans by lowering the fees associated with certain SBA loans):

Questions: Brent E. Donnelly, District Director, U.S. Small Business Administration (406) 441-1083, Cell (406) 439-7613,

Social Security

One time Social Security Survivor Benefit of $255.

Questions: Missoula Aging Services (406) 728-7682

Southwest Montana Veterans Home (SWMVH) ~ Butte

Please send applications to: Shyanne West - Admissions Director / Social Services Assistant, Southwest Montana Veterans Home, 65 Veterans Circle, Butte, MT 59701 OR

Learn more about the first Veteran that moved in (March 2021– KPAX story):

Questions: Dee Burnham 406-444-4129,

OR Mark Gollinger, State Liaison - Senior & Long Term Care Division, MT Dept. of Public Health & Human Services, (406) 465-3908,

Tax Resources

United Veterans Council (UVC) of Missoula and Ravalli Counties:

​Veterans Relief Fund ~ Must show DD214 (Limit $50 per Veteran per year, depending upon the need).

The UVC was formally organized as a 501(c)(3) non-profit in 1994. Private money pays for all the donations.

They host and plan all Memorial Day services, Flag Day ceremonies, and host, organize, and distribute “Santa Socks,” Valentines, Easter cards, and Thanksgiving food baskets. The UVC is made up of members of the American Legion and their auxiliaries, Veterans of Foreign Wars and their auxiliaries, Marine Corps League, Elks Lodge and DAV.

Questions: Susan Campbell Reneau, UVC, (719) 661-4037,

United Way of Missoula County

412 W. Alder St., Missoula

Education, health, income, and “Reaching Home”

Questions: (406) 549-6104,

Or, Theresa Williams, LCSW, Reaching Home Coordinator, United Way of Missoula County, (406) 552-6398,

NW Montana: 1203 US Highway 2 W Ste 31, Kalispell, (406) 752-8181,

Roxanna Parker, Executive Director, United Way of Kalispell, (406) 752-7266

USA Cares


USA Cares provides financial and advocacy assistance to post-9/11 active duty US military service personnel, veterans and their families.

Questions: 1-800-773-0387,


Insurance, Banking, Investments, Advice

​U.S Small Business Administration ~  Paycheck Protection Program (PPP)

As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. To learn more, visit

Contact: Brent E. Donnelly, District Director – Montana, U.S. Small Business Administration, Desk: 406-441-1083, Mobile: 406-439-7613, .

VA Healthcare for Homeless Veterans (HCHV)


Questions: (877) 424-3838 (Available 24/7)


VA Home Front

877-4AID-VET, 877-424-3838,

VA ~ Homeless Veterans

VA BLOG: Veterans experiencing or at risk of homelessness is a growing issue, and goes beyond housing with impacts to physical and mental health. VA has a new guidebook offering information on VA resources, programs, and services to help with housing and improving mental well-being:

  • U.S. Department of Housing and Urban Development-VA Supportive Housing (HUD-VASH) ~ A collaborative program between HUD and VA where eligible homeless Veterans receive a Housing Choice rental voucher from HUD, paired with VA providing case management and supportive services to sustain housing stability and recovery from physical and mental health problems, substance use disorders, and functional concerns contributing to or resulting from homelessness. HUD-VASH subscribes to the principles of the Housing First model of care. Program goals include housing stability while promoting maximum Veteran recovery and independence in the community for the Veteran and the Veteran’s family. US Department of Veterans Affairs.

Questions: Amy (406) 493-3724,

OR David Petaja - Community Employment Coordinator, Homeless Veteran Recovery Program (HVRP), 3687 Veterans Dr., Fort Harrison, Montana 59636 (406) 447-6032,

​​​​​​​​​VA Home Loans

VA Home Loan Centers

Montana VA Home Loan Limits:

Phil Georgiades is the CLS for VA Home Loan Centers and has over 22 years of professional real estate experience. Apply for a VA mortgage loan, call us at (877) 432-5626.


VA Nutrition & Food Services

Develops and provides comprehensive evidenced based nutritional services for our Veterans and their families across VHA’s health care facilities. NFS delivers safe and high quality patient food services.

More info / VA BLOG:

The Veteran-Directed Home and Community Based Service Program

Missoula Aging Services

To qualify, you must be enrolled in VA Healthcare, and the VA determines eligibility of the Veteran.

Contact: Shelli Fortune, Veteran Directed HCBS Care Coordinator, MAS, (406) 728-7682,

Or, Heather Bergerson,

Veteran’s Guide to Saving on Housing Costs
Walks readers through the many ways they can save throughout home-buying process (not just through the VA loan).

Our writer even worked alongside veteran experts to get their take on how to save!

Questions: Lauren Thomas (,


The Montana Veterans’ Home Loan Mortgage Program was established in 2011 by the Legislature to provide first mortgage funds to Montana residents who are serving or have served in the Montana National Guard or in the national armed forces and reserves. Funds for the program are provided from the principal of the Montana Coal Tax Trust Fund as authorized by 90-6-6 MCA.

The benefit of the program is a fixed-rate, 30-year mortgage loan at 1% lower than either the Fannie Mae Daily Historical Yields (FNMA) or Montana Housing’s posted interest rate. Program funds are provided from the principal of the Montana Coal Tax Trust Fund; income, asset and purchase price limits do not apply, however, there is a loan limit. The loans are originated by Montana Housing participating lenders, purchased and held by the Montana Board of Investments, and serviced by Montana Housing.

  • Eligible veteran with honorable service/discharge

  • No income, purchase price OR asset limits

  • True first time homebuyer (never owned a primary residence)

  • Resident of Montana

  • Must take a First Time Homebuyer class

  • Minimum $2,500 borrower investment (out of pocket)

  • Current maximum loan amount is $296,380 (Eff 4/1/21)

  • Condo's NOT allowed in program


Questions: Montana Housing, 301 S. Park Ave. / P.O. Box 200528, Helena, MT 59620-0528 (406) 841-2840

Veterans, Inc.

Financial assistance for certifications, work clothing, tools etc.

Questions: Jennifer Thomas, Universal Services Advocate-Homeless Veteran Reintegration Program (HVRP), Veterans Inc., (406) 591-7519, Cell (406) 591-7519,

OR Missoula: Alec Natz - Universal Service Advocate, Call of Duty Endowment (CODE) Grant,

Veteran Stand Downs – Nationwide

Veterans Support Foundation

Provides funding in the form of grants supporting veteran related projects (funding solely for scientific, charitable, and educational purposes).

Questions: 800-882-1316 ext 126,

Veteran United Home Loans

VA Home Loans with no down payment, no mortgage insurance, and no loan limits. Service designed for Veterans.

Questions: (800) 590-2302

Veterans Upward Bound ~ Dave Ramsey Financial Peace

Dave Ramsey Financial Peace University: Amazing results for the Veterans and family members & FREE for Veterans. Leave money stress behind. Dave Ramsey and his team of financial experts will show you how to beat debt and never worry about money again.

Contact: Stacie Grandpre Administrative Services Coordinator, (406) 209-8609,

Schedule Appointment with Stacie

Volunteers of America ~ Homeless Veterans Reintegration Program (HVRP) & Supportive Services for Veteran Families (SSVF)

  • HVRP provides homeless / at risk Veterans assistance w/obtaining gainful, long term, and meaningful employment. HVRP provides additional job hunting support services called “Individual Case Management” which includes job search assistance, vocational training (financial assistance to get into training programs), transportation assistance, work tools / phone / clothing assistance.

  • SSVF is designed to assist with housing stability. Eligible veterans receive case management and referrals to Veteran Administration (VA) and community resources for securing or maintaining permanent housing.

Questions: 2801 South Russell St. Ste 18 - Missoula (406) 926-3600


Western Montana Mental Health Center

1315 Wyoming St., Missoula

ASK about Montana DPHHS' Projects for Assistance in Transition from Homelessness (PATH) Program

Questions: (406) 532-9700,


1130 W. Broadway, Missoula

Women / children shelter assistance: Gateway Assessment Center, short term motel voucher assistance (3 days – 1/month). Emergency Housing – 50 day hotel voucher; Transitional Housing - 18month, 2 year subsidized program (pay 30% of income to rent); Rapid Re-Housing – help with security deposit + 2 months rent; Walk-ins: 12-4 Monday-Friday (wait list)

Questions: (406) 543-6691