Randy Hoag at Guaranteed Rate NMLS# 1043618

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Montana City, MT
Randy Hoag at Guaranteed Rate NMLS# 1043618

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I am VP of Mortgage Lending at Guaranteed Rate. Personal NMLS # 1043618. Guaranteed Rate #2611.

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/h0o1dCRCXNe/2tcWt

NMLS # 1043618

10/30/2026

Save the date!! In appreciation for the past years support I'd like to invite all HAR members to stop by my office for a coffee on me and enter for a chance to win several prizes! For those early risers the coffee truck will be set up by 7am and we will run through 3pm on November 18th during the realtor tour that day. I look forward to seeing you!

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/h0o1dCRCXNe/Bj5sQ

NMLS # 1043618

10/28/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/h0o1dCRCXNe/b0a3X

NMLS # 1043618

10/27/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/h0o1dCRCXNe

NMLS # 1043618

10/26/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/h0o1dCRCXNe/lqkPQ

NMLS # 1043618

10/22/2026

Don’t go into your mortgage blind. A loan estimate gives you a preview of what your financing will look like, including the loan terms, interest rate and estimated payment. If mortgage lingo sounds like another language, I’m here to help.

Expand your homebuying vocabulary with our helpful guide or reach out to ask specific questions.
https://myoc.io/h0o1dCRCXNe/acAI2

NMLS # 1043618

10/21/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/h0o1dCRCXNe/jUeRu

NMLS # 1043618

10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/h0o1dCRCXNe/QC5n4

NMLS # 1043618

10/15/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/h0o1dCRCXNe/2obAi

NMLS # 1043618

Address

11 Friendship Lane Suite 101
Montana City, MT
59634

Telephone

+14064599053

Website

https://people.rate.com/randy-hoag-1043618

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