2 COMMERCE The Montana Board of Housing offers: Down payment assistance Low-interest 30-year mortgages Quality loan servicing Reverse annuity mortgages for senior homeowners commerce.mt.gov/housing This message is brought to you by the Montana Department of Commerce. 2 COMMERCE The Montana Board of Housing offers : Down payment assistance Low - interest 30 - year mortgages Quality loan servicing Reverse annuity mortgages for senior homeowners commerce.mt.gov/housing This message is brought to you by the Montana Department of Commerce .