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Kelly Gaugler Mortgage Lender

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United States
Bozeman, MT
Kelly Gaugler Mortgage Lender

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Helping buyers in Montana navigate home financing with custom mortgage plans and ‘Smart Range’ strategies.

Because the right mortgage isn't just about rates, it’s about your long-term financial confidence.

10/30/2026

Remember when taking out the recycling was a simple household chore? ♻️😂

Well, those days are officially over at our house!

What used to be a quick trip into the garage now requires navigating a maze of hallways, pushing through mysterious curtains, and hoping you remember how to get back!

The garage has been taken over by Hollow Creek Asylum, the home office is buried in animatronic boxes, and tonight is our final BIG push to get everything ready.

Will we pull it all together in time? We sure hope so! 🤣

🎃 HOLLOW CREEK ASYLUM OPENS TOMORROW!
📅 Saturday, October 31, doors open at 5pm
📍 The Legends Subdivision across from the park

We've had so much fun creating this experience for our community, and we can't wait to share it with you!

Come see what all this chaos turns into! 👻

P.S. If you see us wandering around the neighborhood, we're probably just trying to find our way out of the garage. 😂

10/28/2026

🏡 Is buying your first home still possible in today's market?

It's a question I'm hearing from people who would love to own a home but feel discouraged by prices and mortgage rates.

And I understand why.

The housing market looks very different than it did a few years ago. But different doesn't necessarily mean impossible.

In fact, there may be some opportunities that first-time buyers haven't considered.

✅ Sellers may be more willing to negotiate on price, repairs, or closing costs.

✅ Some mortgage programs allow qualified buyers to purchase with less than 20% down.

✅ In some neighborhoods, buyers have more time to explore their options and make thoughtful decisions.

✅ Your first home doesn't have to be your dream home. It can simply be the right home for this stage of life.

One thing I always want first-time buyers to understand: Just because you're approved for a certain amount doesn't mean you should spend that amount.

The goal is to find a home and a monthly payment that allow you to live comfortably, not stretch your finances to the limit.

I've put together these 6 reminders for anyone feeling uncertain about taking that first step.

And if you have a son, daughter, friend, or coworker who's been talking about buying their first home, please feel free to share this with them. ❤️

My door is always open for a conversation.

You don't have to be ready to buy to start asking questions.

No pressure. No obligation. Just honest answers about what's possible.

10/27/2026

Homebuyer Oath #1: The new truck can wait! 😂

Buying a home is exciting, and I absolutely want you to celebrate. Just maybe not with a brand-new vehicle loan before closing.

New debt can affect your mortgage qualification, even if you've already been pre-approved.

Before making a major purchase, talk to your lender. That one conversation could save you a major headache!

10/26/2026

Ever wonder what it takes to turn an ordinary garage into an insane asylum? 🎃

Well, you're looking at some pretty sophisticated construction techniques. 😂

Every year, we transform our garage into a haunted attraction, and this year's theme is Hollow Creek Asylum.

Our secret building materials? Metal poles, paracord, zip ties, giant clips, black plastic, and enough duct tape to make a hardware store proud.

Here's the really funny part... we have SO MUCH paracord strung throughout our garage to create the walls, hallways, and rooms that most of it stays up year-round!

Yep. Our garage is basically Halloween-ready 365 days a year. 🤣

It's a lot of work, a little chaotic, and one of our favorite traditions.

Here's a little peek behind the scenes before the patients take over. 👀

Tell me, are you impressed by our ingenuity or concerned about our building permits? 😂

10/20/2026

Have you ever heard something that just stuck with you?

Yesterday I was watching a reel and heard this:

“If it is to be, it is up to me.”

I listened to it four times. Something about those ten words really struck a chord with me. Enough that I grabbed a sticky note, wrote them down, and put them on my computer monitor at work.

The more I thought about it, the more I realized how many different parts of life they apply to.

I've been in the lending industry for 20 years, and even after all this time, I know there's still so much room to grow, evolve, learn, and be better. It's easy to get comfortable doing what we know. But sometimes growth requires us to push past that comfort.

Then I thought about my kids.

More than anything, I want them to have confidence in themselves. To be willing to try something new, even if they might fail. To believe they're capable of doing hard things. To know they have the ability to shape their own future.

And I realized those are things I need to keep reminding myself of, too.

Because I think fear holds us back more often than we'd like to admit. Fear of failure. Fear of change. Fear of not being good enough.

But here's what I'm taking away from those ten little words:

We don't always get to choose what happens next. But we do get to choose what we do next.

Maybe someone else needs that reminder today, too. ❤️

Don't let fear make the decision for you.

10/19/2026

Four days in Cleveland. So many ideas. And one big reminder of why I chose Union Home Mortgage! ❤️

Last week I had the opportunity to attend UHM's Partners Coaching Partners and Annual Partners Convention, and I came home feeling more excited than ever about the future.

We heard from CEO Bill Cosgrove and the leadership team about where we're headed, how technology and new products are helping us improve, and how we can continue getting better for the people we serve.

But one of my favorite parts? The people.

I spent time with some incredibly successful loan officers who were so welcoming and willing to share their ideas, experiences, and what works in their businesses. That kind of collaboration is something special.

We even managed to squeeze in a little Cleveland Guardians excitement, until the rain had other plans! 🌧️⚾😂

The theme of our coaching event was NO FEAR, and I couldn't think of a better reminder to keep learning, growing, and pushing yourself to be better.

I'm grateful to be part of this team and excited to bring everything I've learned back to my clients and Realtor partners.

The future looks bright! ✨

10/15/2026

Yesterday, I heard something that really stuck with me.

Our CEO at Union Home Mortgage, Bill Cosgrove, was sharing his story and said, "Don't postpone the person you want to be."

I liked it enough to write it down. And I've been thinking about it ever since.

Why do we do that? Why do we wait? Why do we convince ourselves we're not ready, or that now isn't the right time?

Is it fear? Self-doubt? Or are we just really good at getting in our own way?

I don't know that there's one answer. But I do know that sometimes we need a little reminder to stop overthinking and just take that next step.

So I'm sharing my handwritten note in case someone else needs to hear it today.

Be brave. Put yourself out there. Take a chance on yourself.

What are you waiting for? ❤️

10/06/2026

It’s easy to see a headline about mortgage rates and think, “Maybe I should just wait.”

But the market can create opportunities that aren’t obvious from the headline alone.

When fewer buyers are competing, you may have more room to negotiate with a seller, including asking for a seller credit that could potentially be used to help lower your interest rate.

The right answer isn’t always “buy now” or “wait.”

It’s knowing what the numbers look like for your situation.

Before you wait, let’s run the numbers.

Comment RATE and I’ll show you what may be possible.

10/05/2026

It’s officially time to reveal this year’s haunted garage theme… 🎃

For those who have followed our Halloween craziness over the years, you know we tend to take things a little too far and this year may be no exception.

Welcome to Hollow Creek Asylum. 👀

The transformation has started, and we’ll be sharing a few behind-the-scenes glimpses throughout the month as we get ready for opening night.

We’re keeping most of what’s inside a surprise for now but based on what’s already showing up around the house, things could get interesting.

Who’s brave enough to come through this year?

10/02/2026

“How much do rates need to drop before I should refinance?”

It's a question I hear from homeowners, but it isn't necessarily the first question we should be asking.

I'd rather start with:

What are you hoping to accomplish?

✔️Maybe it's lowering your monthly payment.
✔️Maybe you'd like to pay your home off sooner.
✔️Maybe you have equity you'd like to access for home improvements.
✔️Or maybe you're carrying higher-interest debt and wondering whether your home equity could be part of a larger financial strategy.

Those are very different goals and they may lead to very different answers.

Refinancing also comes with costs, and lowering your monthly payment doesn't automatically mean you'll save money over the life of the loan.

👉 That's why this week's The Truth About...is all about refinancing.

If you already own a home and haven't looked at your mortgage in a while, I'm happy to help you compare your current loan with the options available today.

Sometimes refinancing makes sense.

Sometimes keeping exactly what you have is the better answer.

The numbers should tell us which.

Address

2246 Boot Hill Court Ste 5
Bozeman, MT
59715

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+14065564105

Website

https://www.uhm.com/kgaugler/

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