About Sara Koelzer
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!
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.753% | 0.93 ($3255.00) | $2209.94 |
| 15-year fixed | 5.500% | 5.943% | 0.82 ($2870.00) | $2859.79 |
| FHA loan | 5.990% | 6.971% | 0.869 ($2652.63) | $1964.90 |
| VA loans | 5.750% | 6.314% | 0.975 ($3983.85) | $2384.48 |
| Jumbo loans | 6.200% | 6.464% | 0.981 ($8829.00) | $5512.22 |
* Rates current as of 4/3/2025 11:08 pm, provided by Sara Koelzer, for Gallatin County, MT, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 1001 W Oak Street, Building C Suite 110 Bozeman MT, 59715