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Your Missoula Home Loan Expert

When you’re ready to build, buy, or refinance your Montana home, you deserve the utmost care. Julie Lapham brings passion and expertise to Montana, especially with VA, construction and conventional loans.

A Loan Expert by

Your Side


Loan Officer
NMLS# 292964

I have been very fortunate to have been a loan officer for 15+ years in Missoula. We have seen many changes in the lending process and programs during that time.

Working with an experienced loan officer that understands every aspect of the lending process and available programs is crucial to getting you the best loan available. Having dedicated underwriters and processors also ensures a smooth and efficient process. Purchasing or refinancing a home does not have to be complicated, and I enjoy taking the time to explain all options available to you so you can make the best decisions for you and your family.

I am very proud to be part of the Mann Mortgage team in Missoula, and am also licensed as a loan officer in Washington, Idaho and Montana. Working for a LOCAL lender, founded in Kalispell by Don Mann 25+ years ago, and being able to close loans in other states is advantageous to many clients. I look forward to serving you and your mortgage needs for many years to come!

Awards and Recognitions


See what everyone is saying about Julie

Get Started in Less Than

10 minutes

Get pre-qualified with Julie with our online mortgage application. It's simple, fast & secure

Local Home Loan
Expertise & Service

Whether you're looking to buy a vacation home, refinance your home, or build your dream home, Julie will help you pick the loan that will work best for you.

Our Most Popular
Loan Options
Conventional Loans

By far, the most popular type of home loan. Borrow up to 97% of the home's value. Private mortgage insurance required for down payments of less than 20%.

FHA Loans

Designed to help borrowers with low-to-moderate income or low credit purchase a home in Montana. Down payment as low as 3.5% and available to those with low credit scores.

Construction Loans

MannMade construction and renovation loans exclusively through Mann Mortgage. 0-5% down payment, lock in the best interest rate, monitor construction spending online, and save time and money with a one-time close.

VA Loans

Available to assist active service members, veterans, and surviving spouses in buying, building, and retaining a home. 0% down payment and properties must meet VA guidelines


Refinance to get a lower rate, get cash out, shorten your term, or change the type of loan you have.

Contact me

I'm Here

For You

Julie Lapham

  • Loan Officer
  • NMLS #: 292964
  • Cell: (406) 240-0032
  • Office: (406) 542-0700 EXT. 2032
  • julielapham@mannmortgage.com
  • Mann Mortgage
  • 704 Sussex,
  • Missoula MT 59801

Get Started in Less Than 10 Minutes

Get pre-approved with our online mortgage application. It’s simple, fast & secure!