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4575 Valley Commons Drive, STE #204 Bozeman, MT 59718 Mobile (406) 581-8933 Tel (406) 206-9392 [email protected]
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- monday: 6:00AM – 4:00PM
- tuesday: 6:00AM – 4:00PM
- wednesday: 6:00AM – 4:00PM
- thursday: 6:00AM – 4:00PM
- friday: 6:00AM – 4:00PM
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- Condo Mortgage
- Investment Property
- Jumbo Loan
- Purchase
- Refinance
Shannon O’Hare
- Originating Branch Manager
- Bozeman, MT Mortgage Loan Officer
- NMLS #523508
I’ll be with you every step of the way
Welcome to The O’Hare Group at CrossCountry Mortgage! My name is Shannon, and I’m so glad you’re here. Located in Bozeman, MT, I’m committed to my local community with a dedicated team to help in Montana, Arizona, Idaho and Washington. Since 2002, we’ve fine-tuned our ability to listen to your questions, goals and vision to provide clarity, collaboration and solutions.Whether you’re a first-time homebuyer or an investor building wealth, we’re here to be your guide. I’ll answer your questions in simple terms, help you through each step in home financing and do everything in my power to help you go from our initial conversation to relaxing at home in no time.Let’s take the next step together. Connect with me and make your mortgage a win with America’s #1 Retail Mortgage Lender!Born and raised in Big Sky Country, I enjoy the sense of community Montana offers. I have an affinity for sports and outdoor recreation. Collaborating with you and connecting with our team of professionals will allow us to succeed together.
Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Shannon’s testimonials
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.