COMMERCE The Montana Board of Housing offers: Low interest 30-year mortgages Down payment assistance 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. COMMERCE The Montana Board of Housing offers : Low interest 30 - year mortgages Down payment assistance 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 .