RGaugler@houseloan.com
406-580-7397
Renee Gaugler
Buying a home or exploring a refinance? Connect with Renee to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Renee
I am proud to be a fifth generation Montanan.
I grew up in Whitefish and moved to Bozeman to attend Montana State University in 1998, graduating in 2003 with a bachelor’s degree in Biotechnology. My first job was at a title company when I was 15, and I worked there through high school and during the summers while I attended college. Upon graduation, I knew that biotechnology was not going to fit my personality. I wanted to work closely with people, and the real estate industry aligned with my passion. I worked for Stewart Title for about three years before taking the plunge into mortgage lending. And, it's the best decision I've ever made!
I take my job very seriously, and I'm proud of the job I do for my clients. Buying a home is one of the biggest financial decisions anyone ever makes, so I do everything I can to learn as much as possible about my business and all things financial to better help my clients and prepare them for the future. I love teaching people about fiscal literacy and financing.
I take great pride in being a part of the incredible team at Cornerstone Home Lending. With all of the changes in the mortgage industry, it's critical to be a part of a team that is at the forefront of products and technology. After exploring countless mortgage lenders, Cornerstone stood out from the rest, and I am thrilled to be a part of this impressive team.
I am a firm believer that relationships are what make us successful in this industry. I continually strive to promote home buying and responsible homeownership in our local market, and I’m always looking for opportunities to do more.
My husband (who owns MossCreek Landscapes) and I are happy to be active members of our community. Our first child, Alexis, was born in September 2008. She is an amazing addition to our busy worlds--the best gift we could have ever received.
As a family, we enjoy traveling, camping, dirt biking, wake surfing, and RZR riding.
What clients say about Renee
Renee Gaugler and her team went to work getting us the funding we needed for roof repairs urgently needed. My wife and I are satisfied with Cornerstone and how we were treated. Being self employed presents some challenges as far as funding however they were able to look at the whole picture and work from there when others wouldn't. I highly recommend Renee and Cornerstone to get things done.
Great company, my lenders Michele and Rene were informative, and very helpful
As a first-time homebuyer, I was extremely nervous about the whole loan process. But Renee and her team at Cornerstone Home Lending helped ease my nerves about the whole process. They were in constant communication with me, kept everything transparent, and were an absolute delight to work with. They made realizing a dream of mine possible: homeownership.
I have known Renee for a lot of years through business interactions and knew she was the best at what she does. From start to finish it was smooth sailing, and they were quick to get ahead of anything that may have surprised us. I would 10/10 recommend Renee and Cornerstone.
Renee made what could have been a very stressful time into a smooth, easy transaction. Her experience in this world benefitted us tremendously and made this whole process so much easier!
Thank you and your team for your help in purchasing our home. The process was easy, quick, and we were offered a lower-than-expected mortgage rate that we’re incredibly happy with. When we requested to move our closing date to 2 weeks earlier, Renee and Michelle quickly moved to make this happen for our family. We couldn’t be happier with the whole process. We would recommend Renee and her team to anyone.
Our experience we very good, Renee was so helpful and she presented all the information in a way we could understand. For being a first time buyer we did not even now where to begin. Renee and her team made our first time homeownership very easy. Thanks to all for the great work.
Renee and her team were awesome to work with!! This was my 1st time applying for a home loan and they made the process so smooth. They made me feel comfortable and helped me with the process every step of the way. I will never use anyone else for home loan and you shouldn't either.
Renee and her team were the perfect match to help me purchase my first home. I’d highly recommend Renee to anyone, her knowledge exceeded my expectations!
Renee's team offered a professional, friendly, fast paced loan experience.
I have worked with Renee on a multiple of occasions and I can share Renee knows all available products and what fits well for everyone's individual needs.
Renee and her team are exceptional to work with. Made everything come together, smoothly, timely and with the upmost professionalism. I highly recommend them!
Let’s connect
Contact Renee
Share a little about your plans and how to reach you.
Office locations
Unit 2B - Suites 1 & 2
Bozeman, MT 59718
Suite 200
Fort Collins, CO 80528
Suite 700
Houston, TX 77027
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 Renee today.
