Expertise.com

2024

Last updated:

Best Mortgage Brokers in Bozeman, MT

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bozeman Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

18Reviewed

14Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11 West Main St. Ste 220, Belgrade, MT 59714
WebsiteLicense: 219934

Expertise.com Rating

Review Sources

Google
4.9 (26)
Zillow
5.0 (23)

Why choose this provider?

Thelen Mortgage is a brokerage firm that addresses the housing needs of families and individuals in Bozeman. The company helps its clients in purchasing their desired residential property by working with wholesale lenders in providing various loan options. These include lender-assisted down payments, jumbo, and government-backed loans such as FHA, USDA, and VA. It also assists those who want lower monthly payments and interest rates through different refinancing solutions. Thelen Mortgage has been in the industry since 2001.

  • Refinance

P.O. Box 615, Belgrade, MT 59714
WebsiteLicense: 2192139

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Blue Roan Mortgage is a full-service brokerage firm helping individuals and families in Bozeman and the surrounding areas. It provides home purchase loans for different types of properties, including single-family and multi-family homes, condominiums, townhomes, and manufactured homes. Types of loans it offers include conventional, FHA, VA, and USDA loans. In addition, the firm helps clients refinance existing mortgages. Owner Matthew Simon has been working in the mortgage industry for more than six years.

  • Refinance

290 W Haley Springs RD Unit 2A, Bozeman, MT 59718
WebsiteLicense: 1737405

Expertise.com Rating

Review Sources

Google
4.9 (64)

Why choose this provider?

Gum Tree Mortgage provides real estate solutions to individuals and families in Bozeman. It works with first-time buyers and investors who want to have different types of residential spaces. The company processes various mortgage products, such as USDA, VA, FHA, jumbo, and conventional loans. Its team also caters to clients seeking refinancing solutions and helps them create strategies for reducing their interest rates and monthly mortgage payments. The agency has been operating for over 18 years.

  • Refinance

2066 Stadium Drive Suite 202, Bozeman, MT 59715
WebsiteLicense: 288141

Expertise.com Rating

Review Sources

Facebook
5.0 (47)
Zillow
5.0 (28)
Google
5.0 (27)

Why choose this provider?

A Preferred Mortgage provides real estate services in and around Bozeman. For over two decades, it has been working with first-time homebuyers, retired couples, investors, and self-employed individuals who want to achieve owning residential spaces. The company creates loan programs to enable clients to purchase primary residences, second homes, and condominiums. Its team processes conventional, jumbo, USDA rural development, VA, and FHA loans. Branch manager Brett Hyde heads an office with more than 85 years of combined lending experience.

  • Refinance

1716 W Main Street, Suite 8F, Bozeman, MT 59715
WebsiteLicense: 75243

Expertise.com Rating

Review Sources

Google
4.7 (47)
Yelp
1.0 (1)

Why choose this provider?

PRMG Bozeman addresses the real estate needs of families and individuals who want to purchase investment properties. Its team helps first-time buyers and investors file loan applications and processes various mortgage products, such as VA, FHA 203k, standard renovation, and reverse loans. The Fannie Mae and Freddie Mac direct lender also provides jumbo and non-QM mortgage loan options. It also assists clients in creating strategies on how they can consolidate their debts. PRMG has been in the industry for over two decades.

  • Refinance

327 Coulee Drive, Bozeman, MT 59718
WebsiteLicense: 2121953

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

Kris Brewer, one of the loan originators of Clear Mortgage, caters to borrowers in Bozeman and the surrounding areas. He assists individuals and families in securing loan programs, helping them navigate the lending process from the pre-qualification to the closing stage. The mortgage professional also serves as a Realtor for Keller Williams Montana Realty. At Clear Mortgage, loan processing, underwriting, and funding are accomplished in-house, enabling the team to close loans in four weeks or less.

  • Refinance

1811 Koch, Bozeman, MT 59715
WebsiteLicense: 121177

Expertise.com Rating

Review Sources

Zillow
4.9 (35)
Facebook
5.0 (20)
Google
5.0 (17)

Why choose this provider?

Chris Opstedal is a branch sales manager for the Fairway Independent Mortgage Corporation in Bozeman. He began his mortgage career in 2003 and joined the company in 2014, where he provides clients with in-house underwriting and industry-standard loan plans. His offered programs include jumbo, USDA, 203K, FHA, and VA loans. Opstedal navigates borrowers throughout the process and directs them to the company's website, which features decision-making tools like a payment calculator and refinance analysis. He was given the authorization to teach residential finance to Realtors.

  • Refinance

116 N Bozeman Ave Suite 100A, Bozeman, MT 59715
WebsiteLicense: 707830

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Erica Renslow is a loan officer who handles the housing needs of individuals and families in Bozeman. She offers various mortgage solutions that help her clients acquire their dream homes in monthly installments. These include conventional, jumbo, and government-backed loans, such as FHA, VA, and USDA. Renslow also assists people who want lower monthly payments and interest rates through refinancing and senior citizens who need to borrow money through reverse mortgages. Other products that she offers include home renovation and buydown loans.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Thelen Mortgage
11 West Main St. Ste 220, Belgrade, MT 59714
Blue Roan Mortgage
P.O. Box 615, Belgrade, MT 59714
Gum Tree Mortgage
290 W Haley Springs RD Unit 2A, Bozeman, MT 59718
A Preferred Mortgage
2066 Stadium Drive Suite 202, Bozeman, MT 59715
PRMG Bozeman
1716 W Main Street, Suite 8F, Bozeman, MT 59715
Kris Brewer
327 Coulee Drive, Bozeman, MT 59718
Chris Opstedal
1811 Koch, Bozeman, MT 59715
Erica Renslow
116 N Bozeman Ave Suite 100A, Bozeman, MT 59715

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.