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Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 5pm Thursday 9am - 6pm Friday 9am - 6pm

Kris Brewer, Mortgage Loan Originator NMLS #2121953

Home
United States
Bozeman, MT
Kris Brewer, Mortgage Loan Originator NMLS #2121953

OneTrust Home Loans, NMLS # 46375
Branch NMLS #2472100
(888) 488-3807
Equal Opportunity Lender

1351 Stoneridge Dr, Suite C
Bozeman, MT 59718

(406) 539-3760

09/08/2026

Once a home is under contract, an appraisal becomes an important part of the mortgage process.

The appraisal provides an independent opinion of the property's value and helps the lender evaluate the home being used as collateral for the loan. The appraiser considers factors such as the property's characteristics, condition, location, and comparable recent sales.

An appraisal is different from a home inspection. The appraisal focuses primarily on value and applicable property requirements, while an inspection is generally intended to help the buyer understand the home's condition.

Knowing where the appraisal fits into the process can help buyers better understand what is happening between an accepted offer and closing day.

09/03/2026

Buying power is about more than just income. Factors like credit history, monthly debt, available down payment, loan program, and current interest rates can all play a role in determining how much home may fit comfortably within a buyer's budget.

Understanding buying power early in the homebuying process can help set realistic expectations, narrow the home search, and make it easier to move forward when the right opportunity comes along.

Whether you're just starting to think about buying or actively planning your next move, I'm happy to answer questions and help you better understand your home financing options.

09/01/2026

Building a home is an exciting opportunity, and asking the right questions early can help set expectations for the entire project. Topics such as construction financing, builder timelines, customization options, project costs, and the overall building process are all worth discussing before construction begins.

Having these conversations early can help buyers make informed decisions and feel more confident throughout the building journey.

I'm happy to answer questions, explain construction financing options, and help you prepare for the homebuilding process.

08/27/2026

A reverse mortgage is designed for eligible homeowners age 62 and older and allows borrowers to access a portion of their home equity while continuing to live in the home as their primary residence.

Unlike a traditional mortgage, a reverse mortgage does not require monthly principal and interest payments as long as loan obligations continue to be met. Borrowers remain responsible for property taxes, insurance, and upkeep. Depending on individual needs, reverse mortgage proceeds may be received as a lump sum, line of credit, monthly payments, or a combination of options.

Every homeowner's financial situation and retirement goals are different. Taking time to understand how the program works, review available options, and answer questions can help determine whether a reverse mortgage may fit into an overall retirement strategy.

I'm happy to walk through the available options and help determine the approach that best aligns with your goals.

08/25/2026

The homebuying journey often begins well before visiting open houses or scheduling showings. Taking time to review finances, understand available loan programs, estimate a comfortable budget, and explore pre-approval options can help buyers feel more confident when it's time to begin the search.

Starting with a solid financial plan may also help reduce surprises later in the process and make decisions easier once the right home comes along.

Whether buying is months away or just beginning to feel like a possibility, I'm happy to answer questions and help explain the home financing process.

08/20/2026

As homeowners make mortgage payments and property values change over time, home equity may grow. For some homeowners, a cash-out refinance offers the opportunity to refinance an existing mortgage while accessing a portion of that available equity.

Depending on individual goals and qualifications, those funds may be used for home improvements, debt consolidation, education expenses, or other financial priorities. Understanding how a cash-out refinance works can help homeowners determine whether it aligns with their current financial goals.

If you're interested in learning more about your home equity or available refinancing options, I'm happy to answer questions and help you explore what may be available.

08/18/2026

Before choosing finishes or breaking ground, it's important to understand how construction financing works. Reviewing loan options early can help buyers establish a realistic budget, understand timelines, and prepare for each stage of the building process.

Construction loan programs can vary significantly from one lender to another. Some lenders offer only a limited number of options, while others provide a broader range of financing solutions designed to fit different project types, property scenarios, and borrower needs. Exploring those options early can help buyers find the financing approach that best aligns with their building plans.

Whether you're just beginning to explore building a home or already have plans in place, I'm happy to help explain the financing process and review the construction loan options available.

08/13/2026

Common Reverse Mortgage Questions Answered: Can I Still Leave My Home to My Heirs?

Yes. With a reverse mortgage, homeowners continue to own their home and may leave it to their heirs, just like with many other types of mortgages.

When the loan becomes due and payable, heirs generally have several options, including selling the home, refinancing the loan if they wish to keep the property, or other options available under the program. Every situation is unique, so it's important to understand how a reverse mortgage may fit into your family's overall financial plans.

Borrowers remain responsible for property taxes, insurance, and upkeep.

08/11/2026

One of the biggest misconceptions about buying a home is that a large down payment is always required. In reality, minimum down payment requirements vary depending on the loan program and borrower qualifications.

Understanding the available options early can help buyers create a savings plan, set realistic expectations, and determine which financing solutions may best fit their goals.

If you're planning to purchase a home, I'm happy to walk through the available loan options and answer any questions about down payment requirements.

08/06/2026

Having an offer accepted is an exciting milestone, but several important steps still take place before closing. Depending on the transaction, this may include the home inspection, appraisal, underwriting review, final loan approval, and preparing the necessary closing documents.

Understanding what happens during this stage can help buyers feel more confident and prepared throughout the remainder of the homebuying process.

If you're buying a home, I'm happy to answer questions, explain what to expect after your offer is accepted, and help guide you through each step of the financing process.

Address

1351 Stoneridge Drive, Suite C
Bozeman, MT
59718

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 5pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

http://KrisBrewerMortgage.com/

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