DRaden@HouseLoan.com
406-591-4309
Debbie Kay Raden
Buying a home or exploring a refinance? Connect with Debbie Kay to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Debbie Kay
Inspired by her father’s career as a builder, Debbie joined the mortgage industry in 1985. She delights in sharing the insight she’s gained to help more families achieve their homeownership dreams.
Backed by Debbie’s knowledgeable guidance, clear communication, and caring service, clients can enjoy an effortless journey from start to home. She personally manages her customers’ transactions, walking alongside them at each step and ensuring they understand their home loan options and what to expect along the way. She can also easily resolve any issues that could delay the closing day. More importantly, Debbie will be there for her clients long after their loan has closed.
“Mortgages are long-term, and so is my commitment to my customers,” she says. “They can always count on me as a trusted resource now and in the years to come.”
Born, raised, and thriving in Montana, Debbie can’t imagine calling any other state home. She loves spending time outdoors; gardening and golfing are among her favorite pastimes.
What clients say about Debbie Kay
Debbie was awesome from the first day we meet her to closing day. She kept us updated and never left us wondering, she answered all of our questions and even when we had doubts she kept reassuring us that it’s going to happen and we will get the house! If we could we would rate 10 stars we would! we highly recommend Debbie!!
Working with Debbie made my refi fast and simple. I would recommend Debbie to all my friends and family. She is very knowledgeable and professional . A pleasure to work with.
One of the easiest ways to get a house loan highly recommended
Debbie Kay was amazing to work with! She answered all our questions and was so easy to work with. Knowing that she was a call or text away if we had questions made this process so easy. I would definitely recommend her!
Debbie Kay was so responsive, helpful and incredibly supportive during the entire process. It was a great experience. I will recommend Cornerstone to anyone looking to buy or refinance.
Debbie Kay has always gone above and beyond. Always available and has the information available to help with any issue. Has a great ability to talk you off a cliff and keep sanity. Nobody else I would call with any financial move.
Debbie Kay was outstanding she guided us through the entire process. We shopped around for our loan but her service is second to none. If you need a home loan look no further than Debbie Kay.
Debbie went out of her way to make sure we got everything done so that we could close on time. Absolutely 💯 to Debbie Kay Raden for a fantastic job and coming through with everything we needed. If you don't reach out to Debbie at Cornerstone for your mortgage and refinance needs you are missing out on working with an amazing lady!
Debbie was great as always.
Absolutely loved working with Debbie Kay! She was knowledgeable, helpful, and all around beautiful person. 100% recommend!!
Debbie at Cornerstone was fantastic. She was kind, knowledgeable, and quick. Her reassurance and follow through throughout the whole process made everything go smoothly. I am grateful we were able to work with her. Thank you, Debbie!
Let’s connect
Contact Debbie Kay
Share a little about your plans and how to reach you.
Office locations
Suite 100
Billings, MT 59101
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Debbie Kay today.
