Jacob Lilley

Yes, you should!  Having real numbers to work with is empowering and helps take the guesswork out of what to expect on what may be the biggest purchase of your life.  Plus, realtors in Livingston and Bozeman will jump at the chance to show you homes when you let them know you are already pre-qualified (and many won’t show you a home until you are!)

I can get you pre-qualified in the same day you apply! I make it a priority to get clients ready to go as quickly as possible so they can turn their focus to finding the perfect home.

On conventional loans, you can put down as little as 3% with HomeReady or HomePossible.  USDA and VA offer no down payment and FHA will accept as low as 3.5%.  I’ll help you figure out what loan program works best for your situation.

I work with new employment all the time.  Depending on the nature of your job offer, I can usually use your offer letter to get you pre-qualified.  I can even close your loan prior to your start date as long as your offer terms work with our underwriting guidelines.

While they are typically a small part of a bank’s operations, mortgages are all I do and that reflects in my experience, our operations as a company, and in the level of service you’ll receive.  Also, banks will often have overlays unique to them that may limit their flexibility and the types of loans they’ll take on.

I love helping clients purchase their first home!  Many are surprised to learn that they fit well within more conventional loan types.  There are also other ways to help first-time buyers, like having parents or family cosign or providing gift funds for the down payment.  Otherwise, we can utilize programs like HomeReady and HomePossible along with more local options like Montana Board of Housing.