GoPrime Mortgage - Bozeman

GoPrime Mortgage - Bozeman Caroline Roy
Branch Manager/Loan Officer | NMLS ID 271203 We are a local lender backed by the experience and expertise of GoPrime Mortgage, Inc.

based in North Carolina. With decades of combined experience our processors, underwriters and Loan Officers can offer unsurpassed service in one of the biggest transactions of your life. We offer Conventional, FHA, VA, USDA Rural Development and Jumbo loans programs for your primary home, second home or investment property. Let us help you invest in our community! GoPrime Mortgage, Inc. is a mortg

age lender not licensed in all states. NMLS ID # 69551 (www.nmlsconsumeraccess.org). 320 N. Salem St., Suite 300, Apex, NC 27502. 888-524-2914. Arizona Mortgage Banker License No. 0942646. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Licensed by the N.J. Department of Banking and Insurance. Ohio RM.804392.000. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Opportunity.

Effective January 4th, 2027, the reserve requirements for HOAs will increase from 10% to 15% of the operating budget. T...
08/25/2026

Effective January 4th, 2027, the reserve requirements for HOAs will increase from 10% to 15% of the operating budget. This is arguably the most consequential change and there will undoubtedly be some growing pains with this one. My most sage advice right now is to spread the word to anyone you know who is part of a condo HOA that has greater than 10 units. If HOA boards can get the word out to their members well ahead of the January 4th deadline, then hopefully the change will be easier to integrate for the new 2027 budget and the likely increase in dues easier to digest. As always, I'd love to chat if you have any questions!

Number two on the list of guideline changes is that full project reviews are now WAIVED for projects with 10 or less uni...
08/18/2026

Number two on the list of guideline changes is that full project reviews are now WAIVED for projects with 10 or less units. This is particularly good news for our local market in Bozeman where smaller projects are becoming more common. Even without a review, there are still some general project requirements that must be met and it's important to keep your lender in the loop so we can get ahead of any potential issues.

On the flip side, while waivers have been expanded, the "limited review" has been discontinued. Any review required going forward will be a full review.

As always, I'm staying ahead of guideline changes so that my clients can too!

ALERT! In case you missed it, there were some big changes made to Fannie and Freddie's condo guidelines. Most of them ...
08/13/2026

ALERT! In case you missed it, there were some big changes made to Fannie and Freddie's condo guidelines. Most of them are now in effect. I'm going to spotlight some of the most consequential changes in the next few posts.

Up first is ownership: specifically investor-owned units. Under the old guidelines, when you were purchasing a condo as an investment property (i.e. not as a primary residence or second home) there was a firm 50% cap on the number of units in a project that could be non-owner-occupied. This cap has been eliminated.

What has NOT changed is the cap on units owned by a single entity. For projects with 5-20 units, that limit is 2. For 21 or more the cap is 20%.

Want to know more? Give me a call and let's talk! This is the stuff I love to nerd out on.

Congrats on your closing, Callie and Tom! Such a perfect location for you guys.
07/17/2026

Congrats on your closing, Callie and Tom! Such a perfect location for you guys.

Happy Juneteenth! Markets are closed for the holiday today and it seems like a good time to revisit the news this week....
06/19/2026

Happy Juneteenth! Markets are closed for the holiday today and it seems like a good time to revisit the news this week. This week was the first Fed news conference and econ outlook with the new chair Kevin Warsh. Big item #1 was the "dot plot" that shows where each fed governor thinks rates will be at various times in the next few years. There was a significant trend toward higher Fed funds rates by the end of the year. Big item #2 was that there appears to be a move toward less transparency under this new chair, meaning the market has less information to work with on the Fed's thinking. Inflation and uncertainty are enemies of bonds and therefore mortgage rates. The market's immediate response was not rate friendly, but seems to have stabilized for now. Though its always hard to know what will come next, it may be wise to assume that rates remain at the current levels for the foreseeable future or until more data gives markets something to work with.

Introducing our new Physician Program! -Up to 100% financing available-No PMI required-Loan amounts up to $2.5 million W...
06/11/2026

Introducing our new Physician Program!

-Up to 100% financing available
-No PMI required
-Loan amounts up to $2.5 million

Whether you're in residency or years into your medical career, this program was created with you in mind. It's our way of saying thank you to the physicians who care for our communities. Contact me to learn more about eligibility and program details!

Hey runners and walkers! The annual Jim Bridger Trail Run is slated for July 18th this year with a 10 mile course and a...
05/20/2026

Hey runners and walkers! The annual Jim Bridger Trail Run is slated for July 18th this year with a 10 mile course and a 5k course. Come hang with our running community and help support Bridger Ski Foundation. I've been one of the sponsors of this event for years now. It's a great course and you get to run through some private land that's only accessible for this race. I'll be there too, so come say hi!

https://www.bridgerskifoundation.org/events/jim-bridger-trail-run

Congrats on your closing, Molly! It's so rewarding to help a first-time buyer navigate the process and close on their f...
03/31/2026

Congrats on your closing, Molly! It's so rewarding to help a first-time buyer navigate the process and close on their first home. This will be perfect to leave and come home to after a long work trip. And thank you for all of your hard work on the buyer side!

03/17/2026

Markets! Bond yields! Box and whisker plots! (Now that's a math class throwback) Believe it or not, this is the stuff homeownership dreams are made of. I know, it's a bit underwhelming. But I'm always watching markets and trends to help give you an edge on your purchase or your refinance.

It's not news I like to share, but it's news that you need to know. These are rate predictions compiled this month from ...
01/30/2026

It's not news I like to share, but it's news that you need to know. These are rate predictions compiled this month from Fannie Mae, Mortgage Bankers Association, and Wells Fargo through the end of 2027. While exact numbers differ slightly, the important takeaway is that all three are anticipating rates flatlining for the next two years.

This has important implications for potential buyers and those currently holding higher-rate loans. If you've been waiting for rates to fall before entering the market, this might be the time to reevaluate. The same goes for those waiting to refinance.

Source: https://money.usnews.com/loans/mortgages/mortgage-rate-forecast

Address

2015 Charlotte Street Ste 3
Bozeman, MT
59718

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+14066246330

Website

Alerts

Be the first to know and let us send you an email when GoPrime Mortgage - Bozeman posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to GoPrime Mortgage - Bozeman:

Shortcuts

Share

Category