About Kelly Gaugler

With many years in the banking industry and the majority being in real estate lending, Kelly specializes in every home loan we offer for both purchases and refinances. To minimize the complexity of the loan process, Kelly educates every borrower so they feel confident in making one of the biggest financial decisions of their lives. A native of Whitefish, Kelly graduated from MSU in 2004, and has been a part of our family since 2003. She stays involved in her Bozeman community through volunteering for a variety of local organizations. In her free time, Kelly's favorite activities include spending time with her family and being on the lake.


  • Excellent Communication with Borrowers
  • Local Team of Assistants, Processors, and Underwriters
  • New Home Purchasing Strategy
  • Government Loans & Down Payment Assistance
  • Debt Consolidation and/or Restructure


Beautiful modern kitchen in remodeled home

Loan Programs

Stockman Bank is a full service loan provider. For more information on any program, please contact me!
  • Conventional
  • Down Payment Assistance
  • FHA
  • USDA Rural Development
  • VA
  • Jumbo
  • First Time Homebuyer
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Services Offered

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Buy A Home
Learn how I can assist you with the loan that meets your needs as you begin the journey of buying a house.
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Refinance A Home
Learn if you qualify to refinance your current loan to a lower interest rate.
Market Analysis
Get an in-depth analysis of trends in the mortgage industry and important housing news.
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Home Loan Support
Find various ways to connect with one of our mortgage experts.

Finance Your Home Locally

We all know the purchase of a home is one of life's biggest milestones. You'll want a local lender on your side to be your advocate as you navigate the mortgage process. Our home loan experts are your future community members and will work hard on your behalf to secure a competitive rate and get you into your dream home as quickly as possible. What's better - if you're in a competitive buying situation, a home loan from a trusted local lender may make your offer more favorable. Start your home loan process today!
Get directions to Kelly Gaugler - Stockman Bank at 1433 N 19th Avenue Bozeman, MT

About Stockman Bank

We are a family owned, community bank with locations throughout Montana and are committed to enriching the lives of Montanans and helping our communities succeed. Like Montana, Stockman is distinct with a rich history blending traditional, western values with modern conveniences and state of the art technology. All of us are proud to be your full-service financial partner, serving all of your banking, insurance, and wealth management needs. Our people are focused, and our products and services are uniquely designed to meet the financial needs of Montanans. Important in our focus is safety and security. We are proactive in taking every precaution to protect you and your family’s hard-earned assets and your valuable information.

Business Specialties

  • Mortgage Services
  • Home Loan Review
  • First Time Homebuyer Education
  • Home Loan Education
  • Home Refinance