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U.S. Bank Area ServedBozeman, MT 59715
gina.marshall@usbank.com
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U.S. Bank Area ServedSocial platforms
406-522-3293
406-600-8699
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The mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
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10/1 | ||||
7/1 | ||||
5/1 |
Term | Rate | APR | Monthly Payment | Points |
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10/1 Jumbo | ||||
7/1 Jumbo | ||||
5/1 Jumbo |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 489006
406-522-3293
406-522-3293
406-600-8699
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyThe mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/1 | ||||
7/1 | ||||
5/1 |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/1 Jumbo | ||||
7/1 Jumbo | ||||
5/1 Jumbo |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 489006
406-522-3293
406-522-3293
406-600-8699
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Officer
NMLS# 489006
406-522-3293
406-522-3293
406-600-8699
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Officer
NMLS# 489006
406-522-3293
406-522-3293
406-600-8699
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $726,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $1,089,300. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.
Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $726,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,089,300 in certain high cost areas, including Alaska and Hawaii.
A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $726,200 and up to $1,089,300 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.
Construction loans are short-term, interim loans used for new home construction, including land, contractor labor, building materials, permits and more. With these loans, the contractor receives disbursements as work progresses. There are a number of construction loans designed to fit nearly every new home construction need. Some options include construction-only loans and construction-to- permanent loans, where the loan is used for the construction of the home and then converts into a permanent mortgage loan.
Construction loans are short-term loans that cover the cost of building a new home. These loans are usually shorter in duration and are paid directly to the contractor in installments, or “draws,” as building milestones are achieved. An inspection is typically required before each payment is released to the contractor. To learn more about how construction loans work, connect with your mortgage loan officer.
If you’re considering a construction loan, you should be prepared to meet a variety of qualifying factors that can include credit score, debt-to-income ratio and credit history. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Contact your mortgage loan officer to see if you qualify for a construction loan.
The process of buying a vacation home is similar to buying a primary residence. However, the credit, down payment and cash reserve requirements may be a bit stricter since they represent an added risk to the lender. To learn more about how to buy a vacation home, contact your mortgage loan officer.
There are several things to consider before you buy a vacation home. You should think about how you’ll use the home and how often you’ll use it. You should also keep in mind the cost and location of the home.
When considering the purchase of a vacation home, you should choose your desired location carefully. Decide which factors are most important to you, whether it be a particular climate, the distance to the activities you enjoy or proximity to nearby towns and major cities. Answering these questions will help you narrow down your options and find the best fit for your lifestyle.
To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.
To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.
To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.
A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.
Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.
Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.
There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:
For more information on VA loans, speak with your mortgage loan officer.
Mortgage Loan Officer
NMLS# 489006
406-522-3293
406-522-3293
406-600-8699
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
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