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Joe Post, Vice President NMLS #117147

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Bozeman, MT
Joe Post, Vice President NMLS #117147

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

08/14/2026

🏡 JUST CLOSED | Townsend, MT

Another creative financing solution across the finish line! 🎉

We recently helped our clients secure portfolio spec construction financing for a new build in beautiful Townsend, Montana.

When a project doesn’t fit neatly inside traditional lending guidelines, portfolio financing can provide the flexibility needed to keep the build moving forward.

From unique properties to complex construction projects, we love finding solutions that make sense for the borrower and the deal.

Another one closed. Another Montana project moving forward. 🤝

08/13/2026

There are a lot of misconceptions about VA loans, and some of them may prevent eligible veterans from exploring a benefit they’ve earned.

Many people don’t realize that VA benefits can often be reused, that VA loans are not limited to first-time homebuyers, and that National Guard and Reserve members may also qualify. Others are surprised to learn that VA loan closing timelines are often comparable to many other loan programs.

Understanding the facts behind the VA Home Loan program may help veterans and service members make informed decisions about their home financing options.

If you have questions about VA loans or want to find out whether you may be eligible, I’m happy to help.

#406

08/10/2026

Joe is letting me take over his social media today… so here we are (please be kind lol). 😂👋

I’m Aarika, the marketing specialist for our Montana mortgage team, and I’m kicking things off with a mortgage myth we hear all the time:

🏡 “Should I pay off all my debt before buying a home?”

Not necessarily.

While reducing debt can absolutely help your mortgage qualifications, paying every dollar toward debt isn’t always the best financial move. Sometimes, keeping cash available for your down payment, closing costs, moving expenses, or emergency savings can actually put you in a stronger position.

The right strategy depends on your income, debts, savings, credit profile, and overall goals. That’s why it’s worth talking through your options before making a big financial decision.

If you’re hoping to buy a home in the next year, having this conversation early could save you time, money, and a whole lot of stress.

What mortgage myth should we tackle next? Drop it in a comment down below! 👇

08/03/2026

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.

07/29/2026

Think all mortgage lenders are the same? Think again. 👇

One of the biggest misconceptions in home financing is that every bank offers the same rates, loan programs, and approvals. The reality? Every lender has different guidelines, risk tolerance, and loan options.

🏦 Retail Banks
🏡 Mortgage Banks
🤝 Mortgage Brokers

Each serves a different purpose, and the right fit depends on your unique financial situation.

If you’ve been told “no” by one lender, don’t assume homeownership is off the table. There may be another loan program that better fits your needs, especially if you’re self-employed or have a unique financial scenario.

The key is working with someone who understands all your options and can help you find the right path forward.

📲 Have questions about your situation? Reach out. We’d love to help you explore what’s possible.

07/21/2026

🏡 Just Closed in Three Forks! 🎉

Congratulations to our clients on the purchase of their new home on 100+ acres in Three Forks, Montana! 🌾

One of the biggest hurdles for homeowners is timing. Our clients wanted to purchase their dream property before selling their current home, and with our Portfolio Bridge Loan Program, they were able to do exactly that without feeling rushed or missing out on the perfect property.

Life doesn’t always fit into a traditional lending box, and your financing shouldn’t have to either. Whether you’re buying before you sell, self-employed, building a home, or navigating another unique situation, portfolio lending offers flexible solutions designed around real-life circumstances.

If you’ve been told “no” or think your situation is too complicated, let’s talk. There may be more options available than you realize.

Congratulations again to our wonderful clients, and thank you for trusting us to help make this exciting new chapter possible! 🏡✨

07/15/2026

When people think about VA loans, they often think about purchasing an existing home. However, eligible veterans may also have options for financing the construction of a new home. A VA One-Time Close Construction Loan allows qualified borrowers to finance the construction process and permanent mortgage through a single loan structure. This can simplify the financing process while providing the opportunity to build a home that fits your needs and lifestyle. If you’ve been thinking about building instead of buying, it may be worth exploring whether your VA benefits could help make that goal possible. Feel free to reach out if you’d like to learn more.

07/13/2026

🤔 What if lowering your interest rate saved you more each month than negotiating a lower purchase price?

When it comes to affordability, the purchase price is only part of the equation.

In this video, we walk through a real-world example to show how a lower interest rate can significantly reduce your monthly payment and even increase your purchasing power. In some cases, the right financing strategy can have a greater impact than a price reduction alone.

Every homebuyer’s situation is different, which is why it’s so important to look at all of your options instead of focusing on just one number.

If you’re thinking about buying a home and want to understand what strategy makes the most sense for your goals, let’s run the numbers together.

📞 We’d love to help you explore your options!

𝘌𝘹𝘢𝘮𝘱𝘭𝘦𝘴 𝘴𝘩𝘰𝘸𝘯 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘷𝘦 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘈𝘤𝘵𝘶𝘢𝘭 𝘳𝘢𝘵𝘦𝘴, 𝘵𝘦𝘳𝘮𝘴, 𝘢𝘯𝘥 𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘸𝘪𝘭𝘭 𝘷𝘢𝘳𝘺 𝘣𝘢𝘴𝘦𝘥 𝘰𝘯 𝘣𝘰𝘳𝘳𝘰𝘸𝘦𝘳 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘤𝘢𝘵𝘪𝘰𝘯𝘴.

07/02/2026

Just closed in Belgrade, Montana 🏡✨

Always a good day when we get to celebrate another closing here in the Gallatin Valley.

From pre-approval to keys in hand, it’s been an honor helping guide this home loan process and get everything across the finish line. This area has such a strong sense of community, and it never gets old seeing clients land right where they’re meant to be.

Grateful to be part of this journey and to help turn another Montana house into a home. 🏡

🔑 Belgrade, MT | Gallatin Valley | Bozeman area

06/30/2026

💡 Did you know there isn’t just one way to use down payment assistance?

Our 𝗦𝗺𝗮𝗿𝘁𝗦𝘁𝗮𝗿𝘁 𝗗𝗣𝗔 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 offers 𝘁𝘄𝗼 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗼𝗽𝘁𝗶𝗼𝗻𝘀, designed to fit different financial goals and homebuying strategies:

✅ 𝗙𝗼𝗿𝗴𝗶𝘃𝗮𝗯𝗹𝗲 𝗢𝗽𝘁𝗶𝗼𝗻
• Up to 3.5% assistance for your down payment and/or closing costs
• No monthly payments
• No interest
• Forgiven after 3 years if program requirements are met

✅ 𝗙𝘂𝗹𝗹𝘆 𝗔𝗺𝗼𝗿𝘁𝗶𝘇𝗶𝗻𝗴 𝗢𝗽𝘁𝗶𝗼𝗻
• Down payment assistance built into your financing
• Predictable monthly payments
• A flexible solution for buyers who want a different path to homeownership

Because the truth is, homeownership isn’t one-size-fits-all. The right strategy depends on your goals, timeline, and financial picture.

🏡 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴, 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗿𝗲𝗮𝗹 𝗹𝗶𝗳𝗲.

Send me a message to explore which SmartStart option may be the best fit for your homeownership goals.

𝘌𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘵𝘦𝘳𝘮𝘴, 𝘢𝘯𝘥 𝘱𝘳𝘰𝘨𝘳𝘢𝘮 𝘥𝘦𝘵𝘢𝘪𝘭𝘴 𝘷𝘢𝘳𝘺. 𝘊𝘰𝘯𝘵𝘢𝘤𝘵 𝘮𝘦 𝘧𝘰𝘳 𝘤𝘰𝘮𝘱𝘭𝘦𝘵𝘦 𝘱𝘳𝘰𝘨𝘳𝘢𝘮 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯.

Address

1351 Stoneridge Drive, Suite C
Bozeman, MT
59718

Opening Hours

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

Telephone

+14064796163

Website

http://onetrusthomeloans.com/contact/jpost

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