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Gum Tree Mortgage Bozeman

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United States
Bozeman, MT
Gum Tree Mortgage Bozeman

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Gum Tree Mortgage can assist clients from all credit grades and secures mortgage loans across the entire state of Mississippi and Montana. NMLS 1737405, 70653

11/03/2026

Eleven years ago, Christina Brown joined Gum Tree, and borrowers have been lucky to have her in their corner ever since.

Christina is one of the rare people who sees a home purchase from both ends.

As a mortgage lender, she’s often the first person buyers talk to when they’re wondering whether homeownership is possible. She helps them understand their options, figure out what fits their budget, and feel confident asking every question on their list.

As a closer, she’s there at the finish line too, making sure the documents, numbers, and details all line up so closing day can be the celebration it should be.

That’s 11 years of first conversations, final signatures, and a lot of happy families holding new keys in between.

Christina, thank you for the care, patience, and attention to detail you bring to every borrower and to this team. Happy work anniversary!

If Christina helped you find your way home, leave her a congratulations below.
https://myoc.io/gumtree4

10/31/2026

Comparing lenders solely by the biggest rate number on the page can leave out important context.

That’s why we always advise homebuyers to ask for the whole picture.

We'd rather help you understand what you're paying and what you're getting than win your attention with one number.

No tricks. Just mortgage math.

Comment or message us TREAT for help looking at the full picture, including reviewing any loan estimates, comparing the costs associated with the rate, cash to close, monthly payment and APR, and any other terms that matter to your situation.
https://myoc.io/gumtree4

10/29/2026

There are plenty of things worth second-guessing after a big purchase. Your mortgage shouldn't be one of them.

Before you sign, you should understand the payment you're agreeing to, the cash you're bringing to closing, the loan option you've chosen, and the tradeoffs that came with those decisions.

And if something doesn't make sense? Ask again.

There is no prize for making it through the mortgage process with the fewest questions.

At Gum Tree, we'd much rather spend the extra time explaining something today than have you look back months later and wish you'd known to ask.

The best closing isn't just one that happens on time. It's one you walk into understanding what you're signing.
https://myoc.io/gumtree4

10/27/2026

Some mortgage advice has been passed around for so long that nobody stops to ask whether it's actually true.

And these three myths can keep buyers waiting much longer than they need to.

You don't necessarily need perfect credit. Many loan programs allow significantly less than 20% down for eligible buyers. And getting pre-approved doesn't mean you're committing to buy a house tomorrow.

It means you get to replace assumptions with actual numbers.

You can find out what you may qualify for, what you could work on, how much you should plan to save, and what buying could realistically look like on your timeline.

If one of these myths has been keeping you on the sidelines, comment MYTH or send us a message. Let's find out what actually applies to you.
https://myoc.io/gumtree4

10/25/2026

Some of the things that keep people from talking to a lender aren't actually dealbreakers.

They're assumptions.

We've talked to buyers who waited because they thought their credit wasn't high enough, their student loans would disqualify them, or they needed years longer to save.

A mortgage application looks at the full financial picture. The thing you're worried about may matter – but how much it matters, and what you can do about it, is something worth finding out before you put homeownership on hold.

So tell us: what part of getting a mortgage feels the most intimidating or confusing to you?

Drop it below. There's a good chance someone else is wondering the exact same thing.
https://myoc.io/gumtree4

10/23/2026

Planning to use gift funds to buy a home? Talk to your lender before the money moves.

Getting help from family toward a home purchase can be a wonderful gift. Just don't Venmo $10,000 with a 🏡 emoji and assume you're done. 😅

Depending on your loan program and situation, gift funds may be allowed for eligible homebuying expenses.

But there can be rules around who can provide the gift, how the funds are documented, and what your lender needs to verify.

That's why the best time to tell us about the gift is before anyone transfers the money.

We can explain what your specific loan requires and help you document everything correctly from the beginning.

If family is planning to help with your home purchase, comment GIFT or send us a message before the money starts moving.
https://myoc.io/gumtree4

10/21/2026

You shouldn't feel like you have to become a mortgage expert before you buy your first home.

That's our job. 💚

Your first mortgage comes with a lot of firsts – new terminology, new paperwork, new decisions and plenty of questions you may have never thought to ask before.

We'll take the time to explain what you're signing, why it matters, what's coming next, and what your options are so you can make decisions with confidence.

Thank you, Mary, for trusting Gum Tree with your first home. It was a privilege to be part of such a big milestone. 🏡
https://myoc.io/gumtree4

10/19/2026

Your homebuying budget should include more than the down payment.

And saving $20,000 doesn't automatically mean you have $20,000 to put down.

That's an important distinction for first-time buyers.

There can be other upfront expenses to plan for, such as earnest money, home inspections, and appraisal fees.

You'll also want to think about how much money you're comfortable having left after closing.

That's why we like to talk about your total homebuying budget, not just your down payment.

Before you set a savings goal based on a percentage you found online, let us help you put a more complete number behind it.

Comment SAVE or send us a message and we'll help you understand what to plan for.
https://myoc.io/gumtree4

10/17/2026

Responsible financial moves deserve to be celebrated. 🙌 But before making big changes, it’s best to check with your lender first.

Changes to your available credit, account history and overall credit profile can affect your score. And when you're preparing for a mortgage, this is not the time to make unnecessary changes without knowing how they could affect you.

Same goes for opening a new card, financing furniture, cosigning a loan or making another major credit move.
Before you change anything, send your loan officer a quick message.

Five minutes now can prevent a much more complicated conversation later.
https://myoc.io/gumtree4

10/15/2026

Spring buyers: October is your head start.

The months before you're ready to tour homes are incredibly useful. They give you time to see where your credit stands, figure out how much cash you'll realistically need, understand the loan programs available to you and make adjustments without a closing date breathing down your neck.

By the time spring listings start catching your eye, you can already know your budget and what you're prepared to do.

And if everything looks great today? Even better. You'll know that, too.

Planning to buy in 2027? Comment SPRING or send us a message and we'll help you figure out what makes sense to work on between now and then.
https://myoc.io/gumtree4

Address

290 W HALEY SPRINGS Road, Unit 2A
Bozeman, MT
59718

Opening Hours

Monday	8am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 5pm

Telephone

+14064140501

Website

https://gumtreemortgage.com/bozeman

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