Why Your Mortgage Should Fit Like a Custom Suit—Not a One-Size-Fits-All
How a Local Montana Mortgage Broker Can Save You Money and Stress With Custom Options
When it comes to mortgages, most borrowers don’t realize just how much money—and time—they’re leaving on the table by accepting cookie-cutter loan terms from big banks and retail lenders.
Here’s the truth:
**Your mortgage should fit your financial life like a perfectly tailored suit—**not like something pulled off the clearance rack.
As a Montana mortgage broker, I’ve built my business to be more like a high-end boutique than a big box store. I believe in customizing the loan process to fit YOU—not the other way around.
Let me show you what that actually means:
Precision Interest Rate Locks – Down to the Thousandth
Most lenders only allow rate locks in 1/8% increments. That means you’re forced to choose between 6.875% or 7.00%—even if the actual market rate is somewhere in between.
I can lock your interest rate to the thousandth of a point—like 6.937%—giving you the absolute best pricing available. That kind of precision can save thousands over the life of your loan.
Custom Loan Terms – No More Starting Over at 30 Years
If you’re 26 years into your current mortgage and want to refinance, most lenders will push you right back into a 30-year term. That means paying interest again for years you’ve already worked through.
I can structure your loan with ANY term you want—from 1 year to 30. Want a 26-year mortgage? Done. 17.5 years? No problem. This helps preserve your payoff timeline and reduce long-term interest.
Custom Lock Periods – Only Pay for What You Need
Locking your rate for 30, 45, or 60 days is standard—but it’s also expensive. If your loan only needs 17 days to close, why pay for 30?
I can lock your rate for exactly the number of days we need—17, 20, 21—whatever fits the deal. That way, you’re not paying extra fees for time you don’t use.
Built Like a Boutique—Not a Factory
My mortgage practice is built around people, not volume. I take the time to understand your needs and create a financing plan that aligns with your goals.
Whether you’re a REALTOR® helping a client close smoothly, a past client looking to lower your rate, or a first-time buyer seeking clarity—I’m here to be your Mortgage Broker for Life.
If you want a mortgage that’s tailored—not templated—let’s talk.
📞 Call or text me at 406-220-0077
📧 Email: woodteam@woodteamhomemtg.com
🔗 Apply or connect here: https://2535756.my1003app.com/register
