Julie Lapham

Your Missoula
Home Loan Expert

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

A Loan Expert by Your Side

Julie Lapham mortgage

Julie Lapham

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


4.9/5 Rating | 16K Reviews

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

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. 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

Office: (406) 542-0700 EXT. 2032

Cell: (406) 240-0032

Mann Mortgage

704 W Sussex,

Missoula, MT 59801

Additional Awards & Recognitions

2021 – 2022 Top Woman Originators Scottsman Guide

2019 – 2023 Mann Mortgage Top Producer

2021 Top Woman Originators Scottsman Guide

2018 & 2019 Realtors Choice Lender of the Year

2018 Mann Mortgage Loan Officer of the Year

2017 – 2022 Mann Mortgage Top 10% Producer

2017 – 2022 Homenow Top Producer