About Sara Koelzer
I am a born and raised Montana and have spent the last 20 years working in the mortgage industry. I moved to Bozeman in 1999 to attend Montana State University and never looked back. With a degree in Business Management I dove head first into the mortgage industry early on in my career and instantly fell in love with this business and real estate. I have seen this small town develop rapidly over the past 20 years and have been through the many peaks and valleys of the mortgage industry. My experience and customer following has consistently led me to be a Top Producer in the State of MT and a Top 1% Originator in the Country. I have always firmly believed that shopping for a mortgage should not only be about competitive rates, but also shopping for experience. With the many twists and turns a real estate transaction can take, you need a trusted mortgage lender to get you to the finish line. I have 2 beautiful children, Brayden (2) and Kennedy (8) and a wonderful husband Scott who also works in the mortgage industry. In my free time I love spending time with my family, camping, hiking, playing tennis and traveling. I really enjoy getting to know my clients and their families as I hope to develop a trusted friendship with you that will last over the years. I look forward to working with you!
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 1001 W Oak Street, Building C Suite 110 Bozeman MT, 59715
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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