Buyers

A VA-approved lender reviews your finances and your COE, then issues a pre-approval letter. The letter sets your price range and shows sellers that financing is behind your offer. Questions about loan terms and qualifying go to your lender. Korynne started her career in mortgage underwriting, so she works alongside your lender to keep the paperwork and your home search moving together.

Every home bought with a VA loan has to meet the VA's Minimum Property Requirements (MPRs), such as safe access to the property and a sound roof. We focus your search on Montana homes likely to meet those standards, which matters most for rural properties and acreage. Well, septic, access and zoning details vary by listing, and we'll go through them with you for any home you're considering.

Once your offer is accepted, the VA assigns an independent appraiser to confirm the home's value and check it against the MPRs. Any repairs the appraiser requires have to be addressed before the loan can close. We write offers with the appraisal in mind and work with the seller's side to resolve required repairs. A VA appraisal doesn't replace a home inspection, so we'll help you schedule one too.

After your lender's underwriter clears the file, you'll receive a Closing Disclosure at least three business days before closing. It lists your final loan terms and costs. We track the file through underwriting, review the Closing Disclosure with you and schedule a final walkthrough of the home. At closing you'll sign your loan documents, and you take possession on the terms set in your purchase contract.