Buying a home? Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Jackie Owens Let me help you through the process

Phone: (406) 204-1332

Cell: (406) 799-2213

Email: jowens@polarishomeloansllc.com

NMLS: 218913  View Licensed States 

Hi, my name is Jackie Owens, a licensed loan officer with Polaris Home Loans, LLC.

This is my personal Loan Officer Landing Page, where you can find out a little more about me and how I can potentially help you with your home loan needs.

I started out in the world of homes by designing kitchens and interiors until the market crashed 15 years ago. A colleague mentioned a finance position and we now joke that I went from designing homes to financing them. I have worn a lot of hats working in the finance industry. It has given me a wide range of experience in all aspects of the business. I found that I was most fulfilled when helping people identify mortgage options to finance their dream of homeownership. So I developed my career as a Mortgage Loan Originator and have been working with families to achieve their financing goals ever since!

Additionally, Credit education has been one of my passions throughout my career. I enjoy helping those who need a little help understanding how credit works, building credit, or maybe even helping repair some bruises on their credit. I also teach a credit education and basic finance course at the local college here. In my spare time, I am an active board member serving the local YWCA in the community. I find it to be such a rewarding experience, giving back to my community in this way.

A little about me to help you get a sense of who I am.  I am a military brat which has allowed me to travel all over the U.S. We were fortunate enough to be stationed here over 20 years ago and I fell in love with Montana.  I achieved an Associates Degree from MSU College of Technology MT. I still live in Great Falls with my family and two German Shepherds, Sadie and Jasmine. When I am not busy saving people money on their mortgages, I like to try new DIY projects to improve my home and do all things Montana: water recreation, camping, and enjoying the outdoors!  I have been working in Finance for over 15 years. I understand how quality customer service can make all the difference in your experience. I work hard for my clients and advocate for their success every step of the way.

Reach out today and let's start exploring your options!

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

 

Do I qualify to buy a home?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. 

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Find out if you qualify to eliminate PMI (Private Mortgage Insurance)?
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