Jennifer Bunton - Loan Officer

09/21/2026

🏡 Emma’s Homebuying Adventure continues…

Emma made her choice!

She has an estimated $10,000 gap between what she has saved and our estimated cash to close, so she chose:

B — Explore eligible assistance programs.

Emma thought she might have found the solution…but before she can decide whether assistance actually makes sense for her, she has some homework. 📚

Assistance programs can have their own eligibility requirements and terms, so Emma wants to understand how the assistance works—not just how much help she could receive.

And one of the things she may need?

Homebuyer education. 🎓🏡

Emma’s next stop: the classroom.

And the timing of this part of Emma’s adventure couldn’t be more perfect… ❤️

Stay tuned Wednesday!

Program availability, eligibility, requirements and terms vary.

09/03/2026

🏡 Emma's Homebuying Adventure continues...

Last time, Emma learned she may not need the 20% down she thought she did.

Great news, right?

Well...that led to another question:

💰 How much money does she ACTUALLY need?

For Emma's $250,000 home, we're using a 3% down example.

Her estimated numbers look like this:

🏡 Down payment: $7,500
📋 Closing costs: $3,725
🏦 Prepaids & escrow: $3,775

That brings Emma's estimated cash to close to $15,000.

She has $5,000 saved.

So Emma has an estimated $10,000 gap.

But that doesn't automatically mean STOP.

It means it's time to explore her options.

What would YOU tell Emma to look into next?

A. Save more money
B. Explore eligible down payment/closing cost assistance
C. See whether seller contributions could help with eligible costs

👇 A, B or C?

We'll follow Emma's choice and see what happens next. ❤️

For Emma's adventure, we're using estimated costs for educational purposes. Actual costs vary based on the loan, property, insurance, taxes, pricing and transaction.

08/26/2026

🏡 Emma made her choice!

She chose B — talk to a lender.

She went into the conversation expecting to hear:

“You need to save more money.”

But that’s not quite what happened.

Emma learned that $5,000 in savings doesn’t automatically mean homeownership is off the table.

Now she has a much better question:

💰 How much money would I ACTUALLY need to buy this house?

That’s what we’re figuring out next.

Emma’s Homebuying Adventure continues… 🏡

08/24/2026

🏡 Meet Emma.

Emma thinks she already knows the answer.

She doesn’t have enough money saved to buy a house.

…or does she?

I’m trying something a little different here. Instead of just talking about mortgages, we’re going to experience one.

Emma has a decision to make.

What would YOU tell her to do — A, B or C?

👇 Drop your choice below.

We’ll find out what happens next.

03/18/2026

2 days left to get your Homestead filed! Due date was extended to 3/20. Do you own the home you live in? Make sure you watch Kevin’s video (👇🏻) and get step by step instructions on how to check your GeoCode. 🫶🏻🏠

🔔 Montana Homestead Tax Explained (2026) — IMPORTANT FOR HOMEOWNERS📞 Call or Text: (406) 210-7458🌐 Website: http://greatfallsmt.house📩 Email: kevin.wells...

02/25/2026

FUN FACT 📉

Read the full article to stay in the know! 🏠

10/27/2025

Lending can be a roller coaster for all of those involved - while never intended to be a roller coaster, the strength of our hearts and minds can be put to the test during a transaction. I’m beyond grateful for my clients each and every day. I am proud to weather the storms with them and protect them through the process. My wonderful clients gave me this beautiful arrangement today 🩷. One small gesture can give you the strength to persevere and feel a part of something bigger than ourselves. Thank you for my flowers I love them!

09/18/2025

📉 Why mortgage rates didn’t drop after the Fed cut rates:

A lot of people are asking why mortgage rates didn’t move lower with yesterday’s Fed cut of 0.25%. Here’s the quick breakdown ⬇️

• Mortgage rates are tied to long-term bonds, not the Fed’s short-term rate.
• Inflation concerns are still keeping rates higher.
• The mortgage market isn’t seeing enough investor support to bring costs down.
• The Fed’s cut was expected, so the market had already adjusted.
💡 Bottom line: The Fed’s actions set the tone, but mortgage rates move on a different track.

Send a message to learn more

09/09/2025

With the media broadcasting "VA - LOWER your RATE" - turn to a trusted resource that can demystify the process and give you real answers and real solutions. Whether it's with me or your current lender, be sure to ask ALL of your questions.

08/25/2025

Refinancing your mortgage might be able to save you big.

Thinking about refinancing your mortgage? Here's why it could be a good financial decision.