Stephen Cooney, NMLS: 487376, Production Manager - PrimeLending

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

PrimeLending NMLS: 13649
www.nmlsconsumeraccess.org
www.primelending.com/legaldisclosures
Equal Housing Lender 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 straigh

tforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed 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

"What if rates drop after I buy?"It's one of the most common questions homebuyers ask.While no one can predict future ra...
09/09/2026

"What if rates drop after I buy?"
It's one of the most common questions homebuyers ask.
While no one can predict future rates, waiting for the "perfect" rate could mean missing out on the right home today.
And remember: if rates fall significantly down the road, refinancing may be an option.
The key is making the best decision based on your needs and goals now.

Love the location. Not the House? We can work with that.You know where you want to live. But the move-in ready homes in ...
09/08/2026

Love the location. Not the House? We can work with that.
You know where you want to live. But the move-in ready homes in that neighborhood? They may be stretching the budget a little too far.
Before you expand your search, consider expanding the types of homes you’re willing to look at.
With a renovation loan, you may be able to buy a home that needs some work and finance eligible improvements along with the purchase — all in one loan with one monthly mortgage payment.
That outdated kitchen or less-than-perfect floor plan could be an opportunity.
Found the right location but not the right house? Send me a message. Let’s look at what’s possible.

09/04/2026

You don’t have to be ready to tour homes to start the mortgage conversation.
I can help you estimate a comfortable price range, potential monthly payment and cash needed to close. Then you can decide whether buying now fits your plans or whether you need more time to prepare.

What if I told you you’re not the only person who overthinks their credit score when they want to apply for a mortgage? ...
09/02/2026

What if I told you you’re not the only person who overthinks their credit score when they want to apply for a mortgage? Here’s what you might not know...you don’t need perfect credit to secure a low down payment.
FHA financing may offer more flexible credit guidelines and low down payment options for qualified buyers. Contact me today and I can walk you through how it works.

The market can give you reasons to buy and reasons to wait. I focus on the part that matters most: your budget, timeline...
09/01/2026

The market can give you reasons to buy and reasons to wait. I focus on the part that matters most: your budget, timeline and plans.
If the payment feels comfortable and the home supports your next few years, buying now may make sense. If the numbers don’t work, waiting may be the smarter decision.
I can run both scenarios with you.

What you may be able to borrow and what feels comfortable each month can be two different numbers.I can help you compare...
08/30/2026

What you may be able to borrow and what feels comfortable each month can be two different numbers.
I can help you compare the payment, cash needed to close and the amount you want left in your budget after the move. That gives you a more useful homebuying range before you start shopping.

Closing is the last step before the home is officially yours. You’ll get your Closing Disclosure at least three business...
08/29/2026

Closing is the last step before the home is officially yours. You’ll get your Closing Disclosure at least three business days ahead of time, so you can review the final numbers and know what to bring.
Then you’ll sign the paperwork, wrap up the purchase and get the keys. I’ll keep you updated along the way so you’re never left wondering what comes next.

If you have a good mortgage rate, you may not want to give it up just to access your equity.A home equity loan* may let ...
08/28/2026

If you have a good mortgage rate, you may not want to give it up just to access your equity.
A home equity loan* may let you borrow what you need while keeping your current mortgage and rate in place. I can help you compare the additional payment and total cost.
*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

Looking for a little more breathing room in your monthly budget? Take a look at whether PMI (private mortgage insurance)...
08/27/2026

Looking for a little more breathing room in your monthly budget? Take a look at whether PMI (private mortgage insurance) is still part of your mortgage payment.
Depending on the loan product, if you’ve paid down your balance or your home’s value has gone up, you may be able to remove it and lower what you pay each month. I can run your numbers to see if you’re able to remove your PMI.

Your income may come from a salary, commissions, contract work or more than one source.I can look at the full picture an...
08/21/2026

Your income may come from a salary, commissions, contract work or more than one source.

I can look at the full picture and help identify loan options that may work with how you earn, rather than assuming every borrower fits the same income profile.

Contact me to review your income and discuss your homebuying goals.

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265 W Front Street
Missoula, MT
59802

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