I am a born and raised Montanan and have spent the last 20 years working in the mortgage industry. I moved to Bozeman in 1999 to attend Montana State University and never looked back. With a degree in Business Management I dove head first into the mortgage industry early on in my career and instantly fell in love with this business and real estate. I have seen this small town develop rapidly over the past 20 years and have been through the many peaks and valleys of the mortgage industry. My experience and customer following has consistently led me to be a Top Producer in the State of MT and a Top 1% Originator in the Country. I have always firmly believed that shopping for a mortgage should not only be about competitive rates, but also shopping for experience. With the many twists and turns a real estate transaction can take, you need a trusted mortgage lender to get you to the finish line.





I have 2 beautiful children, Brayden (2) and Kennedy (8) and a wonderful husband Scott who also works in the mortgage industry. In my free time I love spending time with my family, camping, hiking, playing tennis and traveling. I really enjoy getting to know my clients and their families as I hope to develop a trusted friendship with you that will last over the years.





I look forward to working with you!

Producing Area Manager/ SVP of Mortgage Lending

Sara Koelzer is your Bozeman local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sara is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sara at (406) 580-6604 for more information!

Sara Koelzer at Rate (NMLS #400361)

I have been in the mortgage industry for 15 years with a strong background in various types of loan programs. I have always had a passion for this business and enjoy helping people navigate through the loan process with my expertise. One of my strongest personality traits is the ability to listen during either a business or personal conversation. I feel it is very important to have this trait in order to truly get to know someone or find out their particular wants or needs. This skill has served me well over my mortgage career and has allowed me to understand my clients on a personal level while establishing long term relationships with them. Whether it is working with a first-time home buyer or experienced real estate investor, my goal has always been to provide obsessive client service.  
During my free time I love to spend it with my amazing wife Madelaine of 13 years and my beautiful daughters Peyton (10) and Presley (7). Recently, we added a new member to our family – Pyper a 12-week Goldendoodle. As a family we love to camp, travel, spend time with our family and friends and hike in the beautiful Montana outdoors. I also enjoy playing basketball, softball, and golf. Look forward to working with you!

VP of Mortgage Lending

Chad Wellon is your Bozeman local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chad at (406) 295-2249 for more information!

Chad Wellon at Rate (NMLS #346560)

Millie Berger is an experienced Loan Officer who has been helping clients secure the best financing options since 2020. Before transitioning to loan origination, Millie worked in small to mid-sized business lending, honing her skills in financial solutions and building a reputation for providing exceptional service. Known for her warmth, kindness, and in-depth industry knowledge, Millie has earned the trust of her clients through her hardworking and transparent approach.  
As a veteran herself, Millie is deeply committed to serving those who have served in the military. She believes in providing veterans with the highest level of care and ensuring they have access to clear, transparent, and tailored financial options. Millie does not believe in "gatekeeping" the lending process and strives to give her clients multiple options and detailed breakdowns, empowering them to make the best decisions for their financial futures.  
When she's not helping clients, Millie enjoys spending quality time with her husband and children. The Berger family is passionate about outdoor activities such as horseback riding, skiing, snowboarding, and hiking. They also cherish time spent with friends, creating lasting memories together.  
With a combination of professionalism, compassion, and dedication, Millie continues to make a significant impact in both her career and community.

Millie Berger is your Bozeman local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Millie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Millie at (406) 295-2240 for more information!

Millie Berger at Rate (NMLS #2115776)

Bozeman

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3 Loan Officers Bozeman, MT