Stephen Cooney, NMLS: 487376, Production Manager - PrimeLending

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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 straightforward 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

11/03/2026

More money down isn't always the better move!

More money down isn't always the better move!

If you've saved extra cash for a home purchase, you might assume putting it all toward your down payment is the smartest choice.

But have you considered a permanent rate buydown?

Depending on the program, using some of that money to lower your mortgage rate could help reduce your monthly payment while leaving more cash in your pocket for other needs.

Every buyer's situation is different. I can help you compare scenarios and see where your money could make the biggest difference.

Let's run the numbers!

11/02/2026

Here's a little food for thought this Thanksgiving!

One of the great things about owning a home? As you pay down your mortgage, you're building equity that could help you down the road—whether that's renovating, covering a major expense, or reaching another financial goal.

Already a homeowner? Let's talk about how your home's equity could work for you.

And if you're thinking about buying, I'm here to help you get started!

10/30/2026

Not everyone is sitting on a 3% mortgage, and you don’t necessarily need to wait for the “perfect” rate to explore refinancing.

A lower rate or payment could be one reason to refinance. Changing your loan term, accessing your home’s equity, or pursuing another financial goal could be others*.

It won’t make sense for everyone. That’s why I’d rather help you compare the numbers than guess.

Send me a message and let’s see what refinancing could look like for you.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

10/29/2026

Things to ghost this year:
Renting.
Landlords.
Paying someone else’s mortgage.

If homeownership has been on your mind, don’t let assumptions about down payments, credit or today’s market scare you away. You may have more options than you think.

Ready to stop renting and start working toward a home of your own? Let’s talk about what it takes to get you there.

10/28/2026

When negotiating on a home, a lower price isn’t the only thing worth asking for.

What if seller concessions could be used to help lower your upfront costs or even reduce your monthly payment with a temporary buydown?

Sometimes, it pays to look beyond the price tag and ask: What else could that money do?

I can help you run the numbers and compare your options.
Before you negotiate, let’s talk.

10/27/2026

Relocating? A new home could make the move easier.

If you’re moving to a new city or state, new construction may be worth considering.

You can choose a home that fits your needs without worrying about immediate repairs or renovations, and you may have more flexibility when planning your move.

I can help you understand your new construction financing options and prepare for your next chapter.

Planning a move? Let’s talk.

10/26/2026

Don’t let one number scare you away from exploring your options.

Buying could mean finding the right home for your life, starting to build equity or getting out of a rental that no longer works for you.
Refinancing could still make sense if you want to access equity or change your loan terms*.

A higher rate doesn’t automatically mean making a move is the wrong move.

Let’s run the numbers and see what makes sense for you.
*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

10/24/2026

Buy Now, Pay Later plans can create additional monthly obligations that may need to be considered when a lender reviews your finances.

Depending on the situation, those payments could factor into things like your debt-to-income ratio and overall borrowing power.

Moral of the story? “Pay in 4” doesn’t automatically mean “no mortgage” — but knowing the full financial picture before you apply is always a smart move.

10/23/2026

Your first home doesn’t have to be your forever home.

A starter home can be just that: a start.

As you pay down your mortgage, you build equity. And if your home increases in value, that equity may grow even more. Over time, it could help you build toward a larger home, a different neighborhood or whatever comes next.

You don’t have to start with your dream home to start building toward it.

Ready to explore your first step? Let’s talk.

Address

265 W Front Street
Missoula, MT
59802

Website

https://lo.primelending.com/stephen.cooney/

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