Stephen Cooney, NMLS: 487376, Production Manager - PrimeLending

Stephen Cooney, NMLS: 487376, Production Manager - PrimeLending Hi! I'm Stephen Cooney, NMLS: 487376, Production Manager with PrimeLending, a national mortgage lender making the home loan process simple.

PrimeLending NMLS: 13649

At PrimeLending, we are Home Loans Made Simple®. For over three decades, we have helped people buy, refinance and renovate their homes. PrimeLending's loan officers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers info

rmed and feeling at ease. We lock, approve and close loans quickly, and earn our customers' trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal

Equal Housing Lender

Retirement should feel a little more flexible, not more stressful.For some homeowners 62+, a reverse mortgage* could hel...
06/05/2026

Retirement should feel a little more flexible, not more stressful.

For some homeowners 62+, a reverse mortgage* could help turn a portion of their home equity into usable cash flow for things like everyday expenses, travel, home updates, or simply creating more breathing room.

If you’ve been wondering whether a reverse mortgage could make retirement feel more comfortable, DM me and let’s talk through your options together.

*These are brokered loan products. All credit decisions for brokered loan products will be made by the third-party lender. Restrictions and limitations apply. Not available in the state of NY. Please see https://www.primelending.com/refinance/reverse-mortgage for additional information. It is strongly advised that you consult with your family and / or trusted financial planner when considering any reverse mortgage loan.

How do you know for sure if it’s the right house for you?Work with your real estate agent to ask about the things that d...
06/03/2026

How do you know for sure if it’s the right house for you?
Work with your real estate agent to ask about the things that don’t always show up online. Roof age, past water damage, HVAC, plumbing, electrical, and anything the seller wishes they knew sooner. Those details matter.
When it comes to financing your home, you don’t have to figure it out alone. I’ll walk you through it step-by-step. Let’s talk.

Buying, moving, or taking another look at your mortgage? I can get you the answers you need to make the best decision fo...
06/01/2026

Buying, moving, or taking another look at your mortgage? I can get you the answers you need to make the best decision for you. DM to explore all your options.
Happy National Homeownership Month!

Homeownership is more than a milestone. It is a chance to build something lasting for yourself and your family.A home of...
05/29/2026

Homeownership is more than a milestone. It is a chance to build something lasting for yourself and your family.
A home of your own can mean stability, pride, and a future you get to shape on your terms. With the right plan and the right support, owning a home is well within your reach.
Send me a message to talk through your options and next steps.

Bi-weekly payments could cut years off your mortgage without making a huge dent in your wallet.When you make half of you...
05/27/2026

Bi-weekly payments could cut years off your mortgage without making a huge dent in your wallet.
When you make half of your monthly mortgage payment every two weeks, you end up making the equivalent of one extra monthly payment each year. That extra payment goes toward your principal, which helps you shorten your loan term.

Did you know that we can lend in all 50 states?
05/26/2026

Did you know that we can lend in all 50 states?

If you're shopping for a higher-priced home, you’ve probably heard the term jumbo loan — but what makes it different fro...
05/23/2026

If you're shopping for a higher-priced home, you’ve probably heard the term jumbo loan — but what makes it different from a conventional loan? Here’s the quick breakdown:

A conventional loan covers homes that fall within a certain price range set by Fannie Mae and Freddie Mac. If the home you're looking at goes over that limit, you'll likely need a jumbo loan instead.

Jumbo loans are designed for larger loan amounts, but they usually come with a few extra requirements — like a stronger credit profile, higher income or more cash reserves. Nothing unmanageable, just something to plan for.

Not sure which loan type fits your price range or buying plans? Let’s figure it out together — I’m here to help you make a confident move.

Your credit score is directly tied to the rates you're offered when buying a home. The higher your score, the better you...
05/22/2026

Your credit score is directly tied to the rates you're offered when buying a home. The higher your score, the better your chance of securing a lower interest rate, which could save you thousands over the life of your loan.

Here’s how to start improving your score before you apply:

• Pay down high-interest credit cards — It lowers your credit utilization and helps boost your score.
• Check your credit report for errors — Mistakes can drag your score down, so make sure everything’s accurate.
• Limit new credit inquiries — Every new account can temporarily lower your score, so wait until after your loan application.
• Set up automatic payments — On-time payments are key to keeping your score high and your rates low.

The better your credit score, the more favorable your rate options could be. Ready to see how your credit could work for you? DM me to plan your next steps.

That to-do list can get expensive fast. A renovation loan gives you a way to roll home improvement costs into financing ...
05/21/2026

That to-do list can get expensive fast. A renovation loan gives you a way to roll home improvement costs into financing instead of trying to pay for every project out of pocket at once.

This can be especially helpful if you’ve been putting off repairs, planning updates room by room, or waiting until your budget feels less tight.

Rather than letting the list keep growing, a renovation loan can help you take on the work with a plan that fits your budget.

Send me a message to talk through how it works and if it could help with the projects you’ve been wanting to get done.

When buyers are ready to purchase but short on cash to close, having the right tools matters.Repayable down payment assi...
05/15/2026

When buyers are ready to purchase but short on cash to close, having the right tools matters.

Repayable down payment assistance helps bridge the down payment gap, and for a limited time, it’s available with no lender fees.* This structure can help more qualified buyers access financing and stay in the transaction.

If you have clients who need down payment support, let’s talk through the options.

*Certain restrictions apply, offer only applies to repayable down payment assistance. Subject to down payment assistance program guidelines. Program is not available in all areas. All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as title, appraisal, etc. Must apply for loan by 06/30/2026. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions, and is not available on brokered loans. Only one offer per loan transaction is available, and savings cannot be combined with any other offer, discount, or bond program. Savings will reflect on Closing Disclosure at closing. Please contact your PrimeLending loan officer for more details. Subject to credit approval. **Dollar amounts listed based on a loan scenario with PrimeLending's no lender fees plus down payment assistance promotion. First lien loan based on a FHA fixed rate loan, loan amount of $355,844, loan term of 360 months, down payment of amount of $33,056, interest rate of 6.625%, annual percentage rate of 7.328%, with a monthly payment of $2,278.51. Second lien loan amount based on a conventional fixed rate loan of $19,445, loan term of 120 months, interest rate of 10%, annual percentage rate of 10%, with a monthly payment of $256.97. Combined total monthly payment for years 1-10 will be: $2,535.48. For years 11-30: $2,278.51. Scenario assumes a credit score of 740+. Rates pulled 1/30/26, rates subject to change. Loans are subject to borrower qualifications, including income, property evaluation, and final credit approval. Payments shown are principal and interest only, and do not include amounts for taxes and insurance premiums (if applicable). The actual payment obligation will be greater. Loans shown are examples only, your savings will vary.

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265 W Front Street
Missoula, MT
59802

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