Business Details
Trusted Montana Mortgage Services
At Black Diamond Mortgage, we believe that securing a mortgage should be a confident and comfortable experience. Founded as a one-person shop, we have grown into a highly successful team of experts dedicated to Montana home financing. Our personalized approach ensures that each client receives tailored solutions, leveraging a wide network of trusted banking partners to offer competitive options. With deep roots in the Flathead Valley and a foundation of real-world knowledge, we simplify the lending process while maintaining a commitment to transparency and client empowerment. Our team of seasoned professionals is equipped to guide clients through every step, from first-time home purchases to complex refinancing scenarios. 
Services
Home Purchases
Refinancing
Construction Loans
Debt Consolidation
VA Loans
FHA Loans
Highlights and features
- We specialize exclusively in Montana home financing with local market expertise.
- We collaborate with a wide network of trusted banking partners for competitive options.
- Our team offers personalized financing solutions tailored to your unique situation.
- We provide access to government-backed loan programs like FHA, VA, and USDA RD.
- We embrace technology for secure digital transactions while maintaining personal connections.
Associations and certifications
- NMLS #209137
- NMLS #2469601
- NMLS Consumer Access License #235086
- NMLS Consumer Access License MT Lic #1403722
- NMLS Consumer Access License #120326
What people say
Excellent service
Knowledgeable team
Smooth process
Personalized guidance
Trustworthy advisors
Services
Home Purchase Loans
We specialize in Montana home purchase loans, offering tailored financing solutions for first-time buyers, investors, and everyone in between. Our team works with prime and private lenders to secure competitive rates and flexible terms. With expertise in FHA, VA, USDA RD, and conventional loans, we ensure a seamless process from pre-approval to closing.
Refinancing
Our refinancing services help Montana homeowners lower monthly payments, access equity, or consolidate debt. We evaluate your current mortgage to identify savings opportunities while maintaining compliance with state and federal regulations. Our local expertise ensures smooth transitions with minimal disruption.
Construction Loans
We provide specialized construction loans for custom homes and renovation projects across Montana. Our process includes budget analysis, contractor coordination, and phased funding to ensure timely completion. These loans transition seamlessly to permanent financing upon project completion.
Debt Consolidation
Our debt consolidation solutions leverage home equity to simplify payments and reduce interest costs. We offer cash-out refinancing and HELOCs tailored to Montana residents, with clear terms and competitive rates. This service helps clients achieve financial clarity while maintaining homeownership benefits.
Government-Backed Loans
We facilitate government-backed loans including VA, FHA, and USDA RD programs to expand homeownership access. These options require lower down payments and offer flexible credit requirements, ideal for veterans, rural buyers, and first-time purchasers across Montana.
People
David Boye
Broker / Owner - Chief Executive Officer
David Boye founded Black Diamond Mortgage with a vision for personalized service. With over two decades of Montana mortgage experience, he specializes in creative financing solutions and leads the team with a commitment to client empowerment and community involvement.
Maria Phelps
Broker / Owner - Chief Operations Officer
Maria Phelps co-owns Black Diamond Mortgage and oversees operations. With extensive experience in mortgage underwriting and client relations, she ensures efficient processes while maintaining a focus on ethical lending practices and customer satisfaction.
Zach Falk
Sales and Processing Manager / Loan Officer
Zach Falk manages sales and processing operations while serving as a lead loan officer. His expertise in Montana real estate markets and dedication to client education have made him a trusted advisor for hundreds of homebuyers.
Terry Falk
Loan Officer
Terry Falk brings decades of mortgage experience to Black Diamond Mortgage. Known for his attention to detail and problem-solving skills, he specializes in guiding clients through complex transactions while maintaining clear communication throughout the process.
Heather Nelson
Loan Officer
Heather Nelson provides expert guidance on mortgage options with a focus on first-time homebuyers and refinancing. Her responsive communication and thorough explanations ensure clients feel confident in their financing decisions.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA RD, construction, renovation, and non-QM loans tailored to Montana homeowners and investors.
Can I apply for a mortgage online?
Yes, our secure digital platform allows online applications with real-time support from our team throughout the process.
Do you work with first-time homebuyers?
Absolutely. We specialize in guiding first-time buyers through down payment assistance programs and low-down-payment options.
How do you handle credit challenges?
We offer specialized loan programs and creative solutions for clients with unique financial situations or credit histories.
What areas do you serve?
We provide mortgage services statewide in Montana, including Whitefish, Kalispell, Missoula, Bozeman, and surrounding communities.
Can out-of-state buyers use your services?
Yes, we assist clients nationwide with Montana property financing through our digital platforms and local market expertise.
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