From Application to Closing
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Montana Home Loan Specialist

Home Purchases & Refinances

As a Mortgage Coach, I will tailor a mortgage solution for your specific homeownership goals. To minimize the complexity of the home loan process, I will educate you, so you feel confident in making one of the biggest financial decisions of your life. As a self-described “home loan ninja,” I strive to provide clarity.  I will offer a variety of options and ways to best cost structure your mortgage. Having a home loan strategy is key as it allows you to make an informed decision based on your short-term and long-term goals.  

Selecting the right mortgage product requires the knowledge and experience of an experienced loan officer. My team and I are ready to help you identify and obtain the best financing solution for you. Your financial wealth is very important to us.  


What People Say


"Kelly Gaugler has now helped me twice with my mortgage. First when I bought my home and recently when I refinanced my loan. She quickly and efficiently sent me all the numbers comparing rates and then I met with her to go over the details. She is a most professional young woman with years of experience. Plus she is a delight to work with. I recommend her very highly! "

Julie L.

Bozeman, Montana


"Kelly did a great job. We had a very difficult situation and she worked hard to get us financed. She never gave up and between her and her assistant we stayed informed of the challenges and the solutions that were tried and ultimately worked. Thank you"

Thomas and Donna H.

Bozeman, Montana


 Kelly is awesome! She lead me through my all mortgage obstacles in a caring and professional manner. If you are looking for great customer service with someone who cares about you and takes interest in all your concerns and questions look no further then Kelly. "

Kathy J.

Bozeman, Montana

How I Can Help You

Partnering With You

Our time together during the home mortgage process is more than a transaction, it’s a partnership. I will partner with you to make sure every lending decision achieves your short-term needs on the way to your long-term goals.

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Residential Loan Programs

  • Conventional Loans

Primary Residence

Second Home

Investment Property



My mission is simple: to provide you with the best possible guidance and advice every step of the way to make the best possible financial decision.


I have been in the banking industry since 2000 and in 2006, I realized it was my career passion to become a residential mortgage lender.  It has been one of the best and most rewarding decisions I have ever made. 

A native of Whitefish, Montana, I graduated from MSU in 2004 (BS Business, Management emphasis) and I have been involved in the Bozeman community ever since.  When I am not at work, I am enjoying time with my family.  We love to be outdoors and enjoy all Montana has to offer.  Summer is by far my favorite season of the year!  



The best mortgage team in America, the World,

and most likely the Universe.

Nichole Goodyear

Nichole has been in the banking industry since 2008 and joined the Gaugler team in 2019.  Nichole grew up in Bozeman and loves the mountains.  When she is not at work, she is out camping with her family or enjoying local sporting events. 

Josh Bartling

​Josh was raised in Bozeman and graduated from Montana State University in 2016. He enjoys the outdoors, hunting, and spending time with friends and his beautiful wife Alyssa. A recent home owner himself, Josh loves being able to help people realize their dream of homeownership and wealth creation.