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Sara Koelzer
Producing Area Manager/ SVP of Mortgage Lending

I am a born and raised Montanan 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!

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.