Montana Home Equity Conversion (HECAP)

Montana Housing

Available Senior & Disability

About This Program

Montana Housing's reverse mortgage counseling and education program for seniors 62+. Provides free HUD-approved counseling to help homeowners understand reverse mortgage options and alternatives. Not a loan program itself, but connects seniors to resources.

Free counseling service, no direct funding provided

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Free reverse mortgage counseling
  • For homeowners age 62 and older
  • HUD-approved counselors
  • Explains options and alternatives
  • No income requirement

How to Apply

Get free help applying Visit Official Program Page Track this program

(406) 841-2840

A grant-savvy contractor in Sidney, MT can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Sidney early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

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