Kelly Gaugler Mortgage Lender NMLS: #523491


About Kelly Gaugler
Kelly Gaugler is a trusted mortgage lender who is passionate about helping homebuyers and homeowners feel confident in their financing decisions. She works closely with each client to understand their goals, priorities, and expectations, then creates a custom plan and smart loan strategy tailored to their financial needs. Whether purchasing a home or refinancing, Kelly is committed to making the process clear, personal, and approachable.
She values relationships and takes pride in educating her clients so they understand their options and can make smart decisions with confidence. Kelly believes every borrower deserves thoughtful guidance and a lending strategy that aligns with their long-term financial goals.
Originally from Whitefish, Montana, Kelly graduated from Montana State University in 2004 and has been with Stockman Bank since 2003. She is proud to serve the Bozeman community and stay involved through local volunteer work. Outside of work, Kelly enjoys spending time with her family and being on the lake.
Specialties
- Custom Loan Strategies
- Debt Restructuring Solutions
- First-Time Homebuyer Guidance
- Purchase and Refinance Planning
- Relationship-Based Local Lending
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Loan Programs
- Conventional
- Down Payment Assistance
- FHA
- USDA Rural Development
- VA
- Jumbo
- First Time Homebuyer
Services Offered





Finance Your Home Locally
About Stockman Bank
Business Specialties
- Mortgage Services
- Home Loan Review
- First Time Homebuyer Education
- Home Loan Education
- Home Refinance
