Jennica Spooner NMLS ID: 1127801

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United States
Billings, MT
Jennica Spooner NMLS ID: 1127801

Loan Officer NMLS ID 1127801
Evergreen Moneysource Mortgage Company NMLS 3182
Equal Housing Lender A mortgage company who grows for good.

We believe you’re amazing and can do anything you want in the world. Believe you can and you will. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

VP of Mortgage Lending at Guaranteed Rate
NMLS ID: 1127801
Guaranteed Rate NMLS ID: 2611

10/31/2026

Let's turn a few mortgage myths into better questions: Do I need 20% down? Which loan types should I compare? What does cash to close include? Bring the question. I'm happy to help replace guesswork with a clearer conversation.

10/30/2026

"Cash to close" can be confusing because it is more than the down payment. The exact amount depends on the transaction and final disclosures. I'm happy to walk through the terminology and help you bring questions to the closing team.

10/29/2026

Before you send money, pause and verify wiring instructions through a known phone number or established contact. If a last-minute change request feels unusual, stop and confirm through a trusted channel.

10/27/2026

If you are comparing fixed-rate and adjustable-rate options, let's start with your plan. How long might you own? How much change could you handle? Which terms do you want explained in plain language?

10/24/2026

A good handoff starts with context: What are you hoping to accomplish? What matters most right now? What has already been discussed? I'm happy to help make the next conversation feel more connected and less repetitive.

10/22/2026

If you are considering a home in a rural area, USDA financing may be worth a closer look. I can help you identify the right questions about the property, household, occupancy, income, and the complete cost picture.

10/20/2026

As you tackle fall maintenance, keep receipts, permits, warranties, and contractor information together. If a renovation, refinance, or move becomes part of your plans, those records can make the next conversation easier.

10/16/2026

If a preapproval conversation is on your horizon, bring more than a wish list. Income, assets, credit history, debts, goals, and the kind of home you are considering can all be useful topics. I'm here to help make the questions clearer, not to promise an outcome.

10/15/2026

If you are exploring VA financing, bring questions about eligibility, occupancy, funding-fee treatment, property requirements, and your full cash plan. I can help you identify which questions apply to your situation.

10/14/2026

Huge turnout and great conversations! 👏

Thank you to all the REALTORS® who joined us for our presentation on appraisal changes, condos, and accessory dwelling units (ADUs).

We appreciate your questions, your partnership, and your commitment to staying informed for your clients. Proud to bring our real estate community together through Evergreen Home Loans! 🌲

Address

Billings, MT
59102

Website

https://www.evergreenhomeloans.com/loan-officers/jennica-spooner, http://www.nmlsconsumeraccess.org/

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