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Kammra Montgomery

VP of Mortgage Lending
1750 Sun Peak Dr, Ste 102, Park City, UT 84098
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NMLS: 293439
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About Kammra

As VP at Guaranteed Rate, Kammra Montgomery strives to guide each client through a well-informed home financing experience. As a mortgage loan originator for over 23 years, Kammra has worked with a variety of business cultures and diverse professionals, honing her ability to secure loans for a wide range of clients. She has acquired a lifetime of experience with passionate and purposeful people within the banking and mortgage industry.

Kammra is certified by the acclaimed CMPS Institute as a Mortgage Planning Specialist. She has also completed the Xinnix Institute Training for Mortgage Planners. Kammra’s educational background in accounting and finance laid the foundation for her work in the mortgage industry—she was among the first in Utah to receive her license as a Primary Lending Manager.

In addition to managing one of the fastest growing mortgage subsidiaries in Park City, Kammra has also chosen to be involved in the vision and direction of the mortgage industry by providing corporate mortgage and real estate benefits to local Utah companies, including free financial education for employees.

Kammra continues to build a strong contact network through local membership and participation in the Park City Women’s Business network, Park City Board of Realtors, Park City Chamber of Commerce, and the Park City Home Builder’s Association.

Kammra lives in beautiful Woodland, Utah with her husband Paul. When not working, Kammra enjoys being a mom and grandma to six children and eight grandchildren. Her love of the outdoors keeps her busy riding horses and motorcycles, boating, and camping, as well as playing softball and volleyball.

Kammra will help you understand the process of purchasing a home, answer your questions, and direct you to the best options available. She is known for being available and working tirelessly so that her clients get the loans and security they need.

Kammra interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started originating mortgage loans a little over 23 years ago. My passion is to help people understand the mortgage process and assist them in making goals of purchasing or refinancing their home. I enjoy finding the best financing options that are available and helping them with get financing that is in their budget. I love helping others achieve home ownership. I truly enjoy helping self-employed borrowers figure out the best way to purchase a home.
Who is your typical customer and what questions do they typically have?
I would with a wide array of clients. From the younger generation purchasing their first home to Jumbo buyers buying a million-dollar home. I help investors purchase investment property.
What specific steps do you use to help your customers find the best home loan for them?
First, I like to analyze where they are right now and what are their future goals. After I get to know the client I will go over all their options and allow them to choose which option best fits their long-term goal.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
It can be a good idea to utilize and ARM loan if you might not be keeping the home for more than a few years. If your loan is a Jumbo loan and the client understands their finances well and understands the risks they are taking. If the loan amount is a smaller loan under $350,000.00. I typically will urge my clients to take a fixed interest rate so they will have the security that their loan will never change. You should never use an adjustable rate to help you to qualify for more than the client can afford. You never know what the future holds and purchasing a home for more than you can afford is not a good idea.
What advice would you give new or first time home buyers?
Take your time. Plan and save for the down payment. Be prepared for unexpected repairs to the home. Don’t purchase a home that is out of your budget. Always live within your means. Don’t use credit cards very often.
What part of the home loan process do customers find most difficult and how do you help them through it?
Some clients really struggle with getting all their information together. They should first allow their self-enough time to get completely pre-approved. Don’t let the process overwhelm you. Understand that some of the process just might not make sense but we just have to do as we are instructed. Don’t fight the process – go with the flow of the process.
What are the top 3 misconceptions people have about the home loan process?
It takes too long. If you are properly pre-approved then the mortgage process should only take 30 days.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I volunteer and do fundraising with the Park City Women’s Business Network I am a member of the Park City Board of Realtor and Chamber
What provides you with the most satisfaction in your job as a Loan Officer?
When my clients achieve their goals. When the loan closes on time and meets everyone’s expectations. When I close my loan and everyone involved is happy and feels like the process went quickly and smoothly.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
My husband, my children and my grandchildren. Riding horses Sailing our sailboat Feeding cows on the farm and doing farm work Vacationing
Tell us something that makes you unique or something wacky, yet interesting about you?
My ability to be friends will everyone on every level, from very wealthy to just starting out in life. If you know me at work you would not know that I love being on the farm with my horses and cows. You would know that I have my own Harley Davidson bike that I love to ride. You may not know that I have 6 children with spouses and 8 grandchildren.

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